HIGHEST SAVINGS YIELDS

Highest yields reported by federally insured banks and thrifts as of February 13 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: 5.69

S. California average: 5.32

Columbia S&L;, Irvine, CA: 7.46

First Dep Natl Bk, Tilton, NH: 7.26

Danbury S&L;, Danbury, CT: 7.25

Second Natl Fed Svgs, Salisbury, MD: 7.23

Beach Svgs Bank,Fountain Valley, CA: 7.23

6-MONTH CD*

National average: 6.58

S. California average: 6.53

Danbury S&L;, Danbury, CT: 7.90

Citytrust, Bridgeport, CT: 7.66

Columbia S&L;, Irvine, CA: 7.57

So. California Svgs, Beverly Hills, CA: 7.57

Imperial Fed Svgs, San Diego, CA: 7.55

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

1-YEAR CD

National average: 6.70

S. California average: 6.58

Citytrust, Bridgeport, CT: 7.92

Danbury S&L;, Danbury, CT: 7.90

Home Federal, Washington, DC: 7.73

Columbia First Bank, Arlington, VA: 7.65

NVR Svgs Bank, McLean, VA: 7.65

2 1/2-YEAR CD

National average: 6.91

S. California average: 6.66

Home Federal, Washington, DC: 7.84

NVR Svgs Bank, McLean, VA: 7.80

Danbury S&L;, Danbury, CT: 7.79

Maryland Natl Bank, Baltimore, MD: 7.75

Home Svgs Bank, Norfolk, VA: 7.71

5-YEAR CD

National average: 7.27

S. California average: 7.04

Am.Gen.Fin.Cntr. Thrift, S. F., CA: 8.19

Home Federal, Washington, DC: 8.06

The Bank Mart, Trumbull, CT: 8.03

Goldome SvgsBnk, St. Petersburg, FL: 8.00

Eastern Svgs Bank, Hunt Valley, MD: 8.00

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