HIGHEST SAVINGS YIELDS

Highest yields reported by federally insured banks and thrifts as of May 30 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: 6.20

S. California average: 5.82

First Signature B&T;, Portsmouth, NH: 8.32

Metro. Bank for Svgs, Arlington, VA: 8.31

Key Bank USA, Albany, NY: 8.30

First Dep Natl Bk, Tilton, NH: 8.25

New Eng. Fed Svgs, Wellesley, MA: 8.20

6-MONTH CD*

National average 7.96

S. California average: 8.09

Columbia S&L;, Irvine, CA: 9.00

Maine Svgs Bank, Portland, ME: 8.89

Senator Savings Bank, Towson, MD: 8.87

Citytrust, Bridgeport, CT: 8.84

John Hanson Svgs, Beltsville, MD: 8.75

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

1-YEAR CD

National average 8.16

S. California average: 8.32

Heritage Svgs Bank, Richmond, VA: 9.04

Maine Svgs Bank, Portland, ME: 9.00

Beach SvgsBnk, Fountain Valley, CA: 8.96

Citytrust, Bridgeport, CT: 8.95

Columbia S&L;, Irvine, CA: 8.93

2 1/2-YEAR CD

National average 8.18

S. California average: 8.24

The Bank Mart, Trumbull, CT: 9.00

Citibank/SD, Sioux Falls, SD: 8.96

Mercantile Bank, Boston, MA: 8.95

Maine Svgs Bank, Portland, ME: 8.89

Calif. Thrift&Loan;, Santa Barbara, CA: 8.89

5-YEAR CD

National average: 8.24

S. California average: 8.04

Eastern Svgs Bank, Hunt Valley, MD: 9.05

First Gibraltar Bank, Dallas, TX: 9.04

First Trade Union Svgs, Boston, MA: 9.04

Maine Svgs Bank, Portland, ME: 9.00

The Bank Mart, Trumbull, CT: 9.00

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