Long term certificate of deposit yields continued to erode for the week ending April 16, 2010 based on the most recent survey of bank CD rates performed by SelectCDrates.com.  The average yield for the top ten best five year CDs available nationally fell by three basis points or 3/100 of a percent on the week.  The average five year CD rate for the top bank rates now stands at 3.13%, down from the prior week’s average yield of 3.16%.

The highest five year CD rate available nationally held firm for the week.  The best five year CD rate continues to come from EverBank with a yield at 3.30%.  The second highest CD interest rate was also unchanged but the number of banks offering this rate has been reduced.  Two banks, Acacia Federal Savings Bank and iGOBanking, market a five year CD that earns a rate of 3.25%.  In the previous week, three banks had marketed that same rate.

Shelter Bank moves up the list offering the third highest rate with a five year CD yielding 3.15%.  One basis point below this bank product is the five year certificate from State Bank of India at 3.14%.  Dime Direct continues to offer a five year at 3.10% making it the fifth best bank rate.

Two banks, Nationwide Bank and Capital One Bank, lead off the second half of the top ten best list with five year CDs that earn an interest rate of 3.05%.  The two remaining banks that round out the top ten bank rates for the five year term CD includes; State Farm Bank and Stonebridge Bank.  Both, State Farm Bank and Stonebridge Bank have five year certificates of deposit that yield 3.00%.

Three banks lowered their interest rates on their five year time deposit from the previous week.  Atlantic Coast Bank, State Bank of India and and AIG Bank engaged in rate reductions.  Both, AIG Bank and Atlantic Coast Bank failed to make this week’s list.  Two new banks were added as replacements this week, Capital One Bank which jumped in as the sixth best rate and State Farm Bank made it at the low end of the rates.

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