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Product | Bank Average | Bank High | Bank Low | Credit Union Average | Credit Union High | Credit Union Low | Basis Point Difference* |
3 Mo CD - $10k | 0.08 | 1.27 | 0.01 | 0.19 | 1.55 | 0.01 | 11▲ |
6 Mo CD - $10k | 0.12 | 1.40 | 0.01 | 0.28 | 1.42 | 0.01 | 16▲ |
1 Yr CD - $10k | 0.18 | 2.05 | 0.01 | 0.42 | 2.13 | 0.01 | 23▲ |
18 Mo CD - $10k | 0.20 | 2.75 | 0.00 | 0.48 | 2.75 | 0.01 | 28▲ |
2 Yr CD - $10k | 0.26 | 2.90 | 0.01 | 0.56 | 2.78 | 0.01 | 30▲ |
30 Mo CD - $10k | 0.24 | 3.00 | 0.01 | 0.63 | 3.10 | 0.01 | 39▲ |
3 Yr CD - $10k | 0.31 | 3.15 | 0.01 | 0.68 | 2.96 | 0.01 | 37▲ |
4 Yr CD - $10k | 0.34 | 3.20 | 0.01 | 0.78 | 2.97 | 0.01 | 44▲ |
5 Yr CD - $10k | 0.41 | 3.25 | 0.01 | 0.90 | 3.00 | 0.01 | 50▲ |
1 Mo CD - $100k | 0.06 | 1.05 | 0.01 | 0.20 | 1.05 | 0.01 | 15▲ |
2 Mo CD - $100k | 0.05 | 0.55 | 0.01 | 0.44 | 1.10 | 0.08 | 39▲ |
3 Mo CD - $100k | 0.08 | 1.30 | 0.01 | 0.22 | 3.10 | 0.01 | 14▲ |
6 Mo CD - $100k | 0.13 | 1.40 | 0.01 | 0.30 | 1.42 | 0.01 | 18▲ |
1 Yr CD - $100k | 0.19 | 3.00 | 0.01 | 0.45 | 2.13 | 0.01 | 25▲ |
2 Yr CD - $100k | 0.26 | 2.90 | 0.01 | 0.59 | 2.78 | 0.01 | 33▲ |
3 Yr CD - $100k | 0.32 | 3.15 | 0.01 | 0.72 | 8.00 | 0.01 | 40▲ |
Interest Checking - $5k | 0.04 | 2.11 | 0.01 | 0.09 | 5.00 | 0.01 | 5▲ |
Liquid IRA Account | 0.11 | 2.20 | 0.01 | 0.25 | 2.97 | 0.01 | 14▲ |
Money Market - $2.5k | 0.06 | 1.50 | 0.01 | 0.15 | 4.45 | 0.01 | 9▲ |
Money Market - $10k | 0.07 | 1.50 | 0.01 | 0.16 | 4.45 | 0.01 | 10▲ |
Money Market - $25k | 0.08 | 1.25 | 0.01 | 0.20 | 4.45 | 0.01 | 12▲ |
Money Market - $50k | 0.10 | 1.25 | 0.01 | 0.23 | 4.45 | 0.01 | 14▲ |
Money Market - $100k | 0.12 | 1.35 | 0.01 | 0.27 | 4.45 | 0.00 | 15▲ |
Money Market - $250k | 0.13 | 1.35 | 0.01 | 0.29 | 4.45 | 0.00 | 16▲ |
Regular Savings - $1k | 0.05 | 2.02 | 0.00 | 0.10 | 15.00 | 0.01 | 4▲ |
New Car - 36 Mo | 4.24 | 13.50 | 1.49 | 2.65 | 11.00 | 0.99 | -159▼ |
New Car - 48 Mo | 4.28 | 13.50 | 1.49 | 2.77 | 11.00 | 0.99 | -151▼ |
New Car - 60 Mo | 4.37 | 13.50 | 1.85 | 2.88 | 11.00 | 1.38 | -149▼ |
New Car - 72 Mo | 4.42 | 11.25 | 1.85 | 3.18 | 11.00 | 1.25 | -123▼ |
Used Car - 36 Mo | 4.61 | 13.75 | 1.49 | 2.83 | 9.00 | 0.99 | -178▼ |
Used Car - 48 Mo | 4.63 | 13.75 | 1.49 | 2.95 | 10.99 | 0.99 | -168▼ |
Used Car - 60 Mo | 4.56 | 30.00 | 1.97 | 3.06 | 10.99 | 1.38 | -150▼ |
Used Car - 72 Mo | 4.47 | 34.00 | 1.99 | 3.34 | 10.99 | 1.25 | -113▼ |
New Boat - 60 Mo | 6.08 | 30.00 | 0.05 | 4.92 | 11.45 | 0.05 | -116▼ |
Rewards Credit Card | 13.91 | 29.90 | 4.99 | 10.63 | 18.00 | 1.00 | -328▼ |
Credit Card Platinum | 13.17 | 27.24 | 6.00 | 9.51 | 18.00 | 1.00 | -366▼ |
Credit Card Classic | 12.40 | 29.99 | 4.99 | 11.04 | 18.99 | 1.00 | -136▼ |
Home Equity - LOC | 4.34 | 8.20 | 2.25 | 3.92 | 18.00 | 0.25 | -42▼ |
Home Equity - 5 Yr | 5.04 | 9.50 | 2.30 | 4.35 | 9.00 | 0.15 | -69▼ |
Home Equity - 10 Yr | 5.30 | 9.75 | 2.38 | 4.81 | 9.00 | 0.25 | -49▼ |
Home Equity - 15 Yr | 5.50 | 11.75 | 2.38 | 5.12 | 10.00 | 0.35 | -38▼ |
15 Yr Fixed | 4.651 | 5.006 | 4.276 | 4.563 | 4.992 | 4.350 | -9▼ |
20 Yr Fixed | 5.206 | 5.229 | 5.183 | 5.156 | 5.156 | 5.156 | -5▼ |
30 Yr Fixed | 5.265 | 5.768 | 4.707 | 5.200 | 5.469 | 4.903 | -6▼ |
3/1 ARM | 4.625 | 4.625 | 4.625 | 4.678 | 4.678 | 4.678 | 5▲ |
5/1 ARM | 4.748 | 4.857 | 4.638 | 4.547 | 4.579 | 4.516 | -20▼ |
7/1 ARM | 4.011 | 4.011 | 4.011 | | | | |
New RV - 60 Mo | 6.13 | 30.00 | 0.01 | 4.94 | 11.99 | 0.01 | -118▼ |
Unsecured - 36 Mo | 9.25 | 21.00 | 0.10 | 8.71 | 21.00 | 0.10 | -54▼ |
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