Interest.com's latest survey of large banks and thrifts taken Nov. 18 found the average annual yield for a:

Five-year CD fell to 2.19% from 2.20%. That's just a little better than the mid-July reading of 2.13%, which was its lowest level since CD rates were tracked. A year ago, the yield was 3.39%.

One-year CD edged down to 0.89% from 0.91%. That's close to the lowest it's been since we began tracking rates in October 1983. A year ago it was 2.65%.

Six-month CD held at 0.56% -- the lowest it's been since we began keeping records. A year ago it yielded 2.06%.

Three-month CD was unchanged at 0.40%. The yield has not been this low since we first began tracking it in March 1989. Last year at this time it paid 1.70%.

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

Our CD calculator will help you figure out the interest you'll earn, for any term, amount and rate.

By Carolyn Siegel

Interest.com Associate Editor