Credit unions may have noticed that the yield differentiation between short- and mid-term certificates of deposit at banks shrank over the past year.

According to research firm Market Rates Insight, in March 2010, the interest rate difference between the three-month and the 12-month CD was 44 basis points. Today, the variance decreased to 28 basis points. The same rate variance decrease occurred between the 12-month CD and the 24-month CD. The yield variance between the 24-month CD and the 36-month CD decreased by eight basis points from 38 basis points last year to 30 basis points today.    

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