The best CD rates available Christmas week 2014 are little changed from the previous week and down slightly from the start of the month.  The CD rate index shows the average rate among the top performers holding at 1.169 percent. 

The top rates measured by are the highest rates available by a bank in all 50 states.  The CD rate index surveys the best CD rates across several maturities including the three month term certificates, six month, one year, two year, and five year CDs.

The interest rates on the top yielding accounts may have changed little in December however; these levels held in the face of dropping rates throughout the rest of the fixed rate securities market and remain sky high above the average rates that are available nationally.

The top ten best three month CD rates have an average yield of 0.406 percent.  The highest three month certificate has a yield of 0.51 percent.  In contrast, the average rate across the nation for the three month term account is 0.08 percent based on data produced by the FDIC.  The best three month certificate can be found at 

The highest six month CD rates available had an average rate of 0.749 percent.  The best six month CD rate is at 0.85 percent and can be found at Bank5 Connect.  The national average rate for six month accounts for the week of December 22, 2014 is a paltry, 0.12 percent.

One year CD rates have an average rate of 0.20 percent, based on the FDIC weekly survey.  The top ten best one year CD rates in the survey earn 1.141 percent. leads the one year category with a 12 month CD that returns 1.25 percent.

Two year CD rates at the top performing bank accounts earn an average rate of return of 1.340 percent. offers the best certificate for this term, along with the one year term.  The bank promotes a two year certificates with an interest rate of 1.55 percent.  The average rate for two year term CD falls well the best yields at just 0.34 percent.

Long term, five year CD accounts with the highest yields have really soared this year relative to other popular maturities.  The average rate on the top ten highest five year bank CDs is 2.208 percent.  Once again, is the term leader with a five year yield of 2.35 percent.  Unfortunately, the national average rate for the five years doesn’t even break 1.00 percent this week; the average rate is just 0.78 percent.

A list of the best CD rates available across the nation for the week of December 22, 2014 is available to help consumers shop and compare CD rates by maturity at the following CD rate tables: three month CD ratessix month CD ratesnine month CD rates, one year CD rates, two year CD rates, three year CD rates, four year CD rates and five year CD rates.

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