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The balances on certificates of deposit with terms of three years or more and are under $100,000 are most likely to drop in reaction to Federal Reserve Board rate moves, according to research firm Market Rates Insight.

The San Anselmo, Calif.-based firm examined the relationship between the Fed effective rate and balances of liquid accounts and term accounts of less than three months, three to 12 months, one to three years, and over three years, under and over $100,000. The analysis covered a period of six years from the first quarter of 2004 to the fourth quarter of 2009.

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