Interest.com's latest survey of large banks and thrifts taken October 8 found the average annual yield for a:

Five-year CD fell to 3.38% from 3.71%. Even so, it's almost two-thirds of a point higher than its year-to-date low of 2.74% reached in early April. A year ago it was paying 4.0%.

One-year CD rate rose to 2.56% from 2.47%. But it's up two-thirds of a point from its 2008 low of 1.92% reached in April. A year ago it was paying 3.75%.

Six-month CD climbed to 2.13% from 2.10% and it's up from its April year-to-date low of 1.88%. A year ago, it was paying 3.53%.

Three-month CD finally moved, rising to 1.76% from 1.73% -- its 2008 low. A year ago, it was paying 2.91%.

Use our extensive, up-to-the-minute database of the best CD rates to find the most lucrative deals from local and national banks.