HIGHEST SAVINGS YIELDS

Highest yields reported by federally insured banks and thrifts as of June 27 based on the lowest minimum deposit to open an account. National average based on yields offered by 100 largest banks and thrifts in the 10 largest markets. Southern California averages based on yields offered by 10 largest area banks and thrifts.

MONEY MARKET ACCOUNT National average: 6.18 S. California average: 5.79 Metro. Bank for Svgs, Arlington, VA: 8.31 Capitol Bank & Trust, Boston, MA: 8.30 First Dep Natl Bk, Tilton, NH: 8.27 First Signature B&T;, Portsmouth, NH: 8.26 Key Bank USA, Albany, NY: 8.25

6-MONTH CD* National average: 7.91 S. California average: 8.03 Capitol Bank & Trust, Boston, MA: 9.00 Maine Svgs Bank, Portland, ME: 8.89 Columbia S&L;, Irvine, CA: 8.87 Beach SvgsBnk, Fountain Valley, CA: 8.85 Citytrust, Bridgeport, CT: 8.84

*Assumes re-investment of six-month CD at same rate to earn yield shown.

1-YEAR CD National average: 8.10 S. California average: 8.28 Citytrust, Bridgeport, CT: 9.11 Heritage Svgs Bank, Richmond, VA: 9.04 Maine Svgs Bank, Portland, ME: 9.00 Homestead Svgs, Millbrae, CA: 9.00 Capitol Bank & Trust, Boston, MA: 9.00

2 1/2-YEAR CD National average: 8.10 S. California average: 8.21 Maine Svgs Bank, Portland, ME: 9.00 Citibank/SD, Sioux Falls, SD: 8.91 Mercantile Bank, Boston, MA: 8.89 Calif. Thrift&Loan;, Santa Barbara, CA: 8.89 First Dep Natl Bk, Tilton, NH: 8.87

5-YEAR CD National average: 8.17 S. California average: 8.03 Sequoia FSB, Bethesda, MD: 9.10 Eastern Svgs Bank, Hunt Valley, MD: 9.00 First Trade Union Svgs, Boston, MA: 8.93 NVR Svgs Bank, McLean, VA: 8.90 Calif. Thrift&Loan;, Santa Barbara, CA: 8.89

SOURCE: 100 Highest Yields, Bank Rate Monitor, N. Palm Beach, Fla. 33408