Banking > National CD Rates

National CD Rates

National Average CD Non Jumbo Deposit Rates (under $100,000)

Deposit Products National Rate National Rate Cap
48 month CD < 100M 0.65 1.4
Money Market < 100M 0.09 0.84
60 month CD < 100M 0.87 1.62
24 month CD < 100M 0.41 1.16
12 month CD < 100M 0.27 1.02
6 month CD < 100M 0.16 0.91
3 month CD < 100M 0.1 0.85
1 month CD < 100M 0.06 0.81
Interest Checking 0.04 0.79
Savings 0.06 0.81
36 month CD < 100M 0.54 1.29

National Average CD Jumbo Deposit Rates (over $100,000)

Deposit Products National Rate National Rate Cap
60 month CD >= 100M 0.9 1.65
48 month CD >= 100M 0.68 1.43
6 month CD >= 100M 0.57 1.32
24 month CD >= 100M 0.45 1.2
12 month CD >= 100M 0.29 1.04
6 month CD >= 100M 0.17 0.92
Money Market >= 100M 0.14 0.89
3 month CD >= 100M 0.11 0.86
1 month CD >= 100M 0.07 0.82
*The rate cap is determined by adding 75 basis points to the national rate. To determine conformance with the regulation, compare rates offered by the institution, based on size and maturity of the deposit, to the rate caps. For accounts less than $100,000 use the applicable rate cap under the non-jumbo column, and for accounts $100,000 and over, use the rate caps under the jumbo column. Interpolation should be used for deposits with maturities not listed above.