Looking at trends over the past five years, Market Rates Insight found that as long as unemployment goes up, deposit interest rates may stay low.

In January of 2005, the unemployment rate was 5.20% and the national average interest for deposits was 2.63%, according to MRI, a research firm in San Anselmo, Calif. In March of 2007, the unemployment rate declined to 4.20%, and the national average interest rate for deposits increased to 4.25%.

The pattern repeated in September of 2009, when the unemployment rate increased to 9.80% and the national average interest rate for deposits declined to 1.55%.

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