Product | Bank Average | Bank High | Bank Low | Credit Union Average | Credit Union High | Credit Union Low | Basis Point Difference* |
3 Mo CD - $10k | 1.27 | 5.50 | 0.01 | 2.08 | 5.33 | 0.02 | 81▲ |
6 Mo CD - $10k | 1.63 | 5.50 | 0.01 | 2.88 | 6.63 | 0.01 | 124▲ |
9 Mo CD - $10k | 1.37 | 5.50 | 0.01 | 3.23 | 5.33 | 0.01 | 185▲ |
1 Yr CD - $10k | 1.76 | 5.50 | 0.01 | 3.16 | 5.30 | 0.01 | 139▲ |
18 Mo CD - $10k | 1.48 | 5.50 | 0.01 | 3.07 | 5.33 | 0.01 | 159▲ |
2 Yr CD - $10k | 1.51 | 5.50 | 0.01 | 2.94 | 5.01 | 0.01 | 142▲ |
30 Mo CD - $10k | 1.16 | 5.50 | 0.01 | 2.91 | 4.90 | 0.05 | 175▲ |
3 Yr CD - $10k | 1.38 | 5.50 | 0.01 | 2.86 | 5.00 | 0.01 | 148▲ |
4 Yr CD - $10k | 1.33 | 5.50 | 0.01 | 2.86 | 4.70 | 0.01 | 152▲ |
5 Yr CD - $10k | 1.39 | 5.50 | 0.01 | 2.92 | 4.83 | 0.01 | 152▲ |
3 Mo CD - $100k | 1.33 | 5.50 | 0.01 | 2.13 | 5.33 | 0.02 | 79▲ |
6 Mo CD - $100k | 1.68 | 5.50 | 0.01 | 2.91 | 6.00 | 0.01 | 122▲ |
9 Mo CD - $100k | 1.44 | 5.50 | 0.01 | 3.25 | 5.33 | 0.01 | 181▲ |
1 Yr CD - $100k | 1.83 | 5.50 | 0.01 | 3.21 | 5.15 | 0.01 | 138▲ |
18 Mo CD - $100k | 1.52 | 5.50 | 0.01 | 3.09 | 5.33 | 0.01 | 157▲ |
2 Yr CD - $100k | 1.57 | 5.50 | 0.01 | 2.98 | 5.00 | 0.01 | 141▲ |
30 Mo CD - $100k | 1.20 | 5.50 | 0.01 | 2.94 | 4.90 | 0.05 | 173▲ |
3 Yr CD - $100k | 1.42 | 5.50 | 0.01 | 2.91 | 4.85 | 0.01 | 149▲ |
4 Yr CD - $100k | 1.36 | 5.50 | 0.01 | 2.89 | 4.70 | 0.01 | 153▲ |
5 Yr CD - $100k | 1.43 | 5.50 | 0.01 | 2.96 | 4.85 | 0.01 | 153▲ |
Youth/Student Checking | | | | 0.10 | 0.10 | 0.10 | |
High Rate Checking | 0.71 | 6.50 | 0.01 | 2.96 | 7.50 | 0.01 | 225▲ |
Basic Checking | 0.13 | 4.00 | 0.00 | 0.21 | 6.17 | 0.01 | 8▲ |
HSA - $1k | 0.01 | 0.01 | 0.01 | 0.19 | 0.60 | 0.01 | 18▲ |
HSA - $10k | 1.45 | 1.45 | 1.45 | 0.27 | 0.60 | 0.01 | -118▼ |
HSA - $25k | | | | 0.42 | 1.01 | 0.01 | |
IRA - 1 Year - $10k | 1.66 | 5.17 | 0.01 | 3.14 | 5.12 | 0.01 | 148▲ |
IRA - 1 Year - $100k | 1.81 | 4.54 | 0.01 | 3.29 | 10.65 | 0.05 | 148▲ |
IRA - Liquid - $10k | 0.43 | 5.31 | 0.01 | 0.68 | 5.30 | 0.01 | 25▲ |
IRA - Liquid - $100k | 0.64 | 4.70 | 0.01 | 0.73 | 4.70 | 0.01 | 9▲ |
High Rate Money Market - $2.5k | 0.53 | 1.00 | 0.05 | 1.17 | 3.25 | 0.05 | 64▲ |
Money Market - $2.5k | 0.40 | 5.12 | 0.01 | 0.76 | 5.00 | 0.01 | 36▲ |
Money Market - $10k | 0.47 | 5.12 | 0.01 | 0.86 | 4.59 | 0.01 | 39▲ |
High Rate Money Market - $10k | 0.99 | 4.59 | 0.01 | 1.44 | 4.10 | 0.02 | 45▲ |
High Rate Money Market - $25k | 1.14 | 5.00 | 0.01 | 1.67 | 4.10 | 0.02 | 53▲ |
Money Market - $25k | 0.57 | 5.12 | 0.01 | 1.02 | 4.59 | 0.01 | 44▲ |
Money Market - $50k | 0.67 | 5.12 | 0.01 | 1.17 | 4.59 | 0.01 | 50▲ |
High Rate Money Market - $50k | 1.29 | 5.00 | 0.01 | 1.85 | 4.10 | 0.02 | 56▲ |
High Rate Money Market - $100k | 1.49 | 5.00 | 0.01 | 2.14 | 4.10 | 0.05 | 65▲ |
Money Market - $100k | 0.85 | 5.12 | 0.01 | 1.41 | 4.59 | 0.01 | 56▲ |
Money Market - $250k | 0.95 | 5.12 | 0.01 | 1.56 | 4.59 | 0.01 | 61▲ |
High Rate Money Market - $250k | 1.63 | 5.00 | 0.01 | 2.32 | 4.30 | 0.05 | 69▲ |
Money Market - $500k | 1.22 | 4.75 | 0.01 | 1.56 | 4.50 | 0.01 | 33▲ |
High Rate Money Market - $500k | 2.28 | 3.75 | 0.10 | 2.65 | 4.30 | 0.50 | 37▲ |
High Rate Money Market - $1 million | 2.32 | 4.00 | 0.10 | 2.85 | 4.30 | 0.50 | 53▲ |
Money Market - $1 million | 1.26 | 4.65 | 0.01 | 1.62 | 4.50 | 0.01 | 36▲ |
Youth/Student Savings | | | | 2.13 | 5.00 | 0.25 | |
High Rate Savings | 0.77 | 5.00 | 0.02 | 2.97 | 10.00 | 0.01 | 220▲ |
Regular Savings | 0.20 | 5.00 | 0.01 | 0.19 | 6.18 | 0.00 | -2▼ |
New Auto - 24 Mo | 7.30 | 11.00 | 4.99 | 5.46 | 9.20 | 1.99 | -183▼ |
New Auto - 36 Mo | 7.37 | 15.00 | 2.65 | 5.68 | 9.95 | 1.99 | -170▼ |
New Auto - 48 Mo | 7.41 | 15.00 | 2.65 | 5.80 | 9.95 | 1.99 | -161▼ |
New Auto - 60 Mo | 7.50 | 15.00 | 1.06 | 5.91 | 9.95 | 1.99 | -159▼ |
New Auto - 72 Mo | 7.59 | 14.00 | 2.65 | 6.17 | 10.05 | 1.99 | -141▼ |
New Auto - 84 Mo | 7.21 | 11.00 | 5.64 | 6.46 | 10.20 | 1.99 | -75▼ |
Used Auto - 24 Mo | 7.44 | 11.75 | 5.49 | 5.71 | 9.20 | 1.99 | -173▼ |
Used Auto - 36 Mo | 7.69 | 15.00 | 2.99 | 5.90 | 9.95 | 1.99 | -180▼ |
Used Auto - 48 Mo | 7.75 | 15.00 | 2.99 | 6.02 | 9.95 | 1.99 | -173▼ |
Used Auto - 60 Mo | 7.74 | 15.00 | 2.99 | 6.13 | 9.95 | 1.99 | -160▼ |
Used Auto - 72 Mo | 7.81 | 14.00 | 2.99 | 6.39 | 10.05 | 1.99 | -141▼ |
Used Auto - 84 Mo | 7.30 | 13.39 | 5.64 | 6.62 | 10.20 | 1.99 | -68▼ |
Used Boat-60 Mo | 8.74 | 11.01 | 5.59 | 7.82 | 16.19 | 2.00 | -92▼ |
New Boat-60 Mo | 8.49 | 15.75 | 0.50 | 7.73 | 18.00 | 2.00 | -76▼ |
Rewards Credit Card | 18.12 | 27.24 | 4.99 | 13.98 | 21.49 | 1.00 | -414▼ |
Credit Card Platinum | 17.14 | 29.74 | 3.10 | 12.60 | 24.24 | 1.00 | -455▼ |
Credit Card Classic | 16.30 | 28.99 | 5.50 | 13.18 | 29.50 | 1.00 | -312▼ |
Home Equity - LOC 80% | 8.37 | 16.00 | 3.25 | 7.66 | 16.95 | 0.25 | -72▼ |
Home Equity - 5 Yr 80% | 8.09 | 12.75 | 4.00 | 7.02 | 13.00 | 1.00 | -107▼ |
Home Equity - 10 Yr 80% | 8.13 | 12.75 | 2.50 | 7.38 | 14.00 | 1.00 | -75▼ |
Home Equity - 15 Yr 80% | 8.24 | 12.99 | 2.50 | 7.67 | 14.25 | 1.00 | -56▼ |
7 Yr ARM | 7.036 | 7.232 | 6.871 | 6.679 | 7.442 | 6.079 | -36▼ |
3 Yr ARM | | | | 6.373 | 6.674 | 6.197 | |
5 Yr ARM | 7.014 | 7.098 | 6.958 | 6.577 | 7.306 | 5.876 | -44▼ |
15 Yr Fixed | 6.222 | 6.473 | 5.893 | 6.208 | 6.947 | 5.694 | -1▼ |
20 Yr Fixed | 6.622 | 7.038 | 6.351 | 6.649 | 6.885 | 6.515 | 3▲ |
30 Yr Fixed | 6.875 | 7.103 | 6.715 | 6.746 | 7.105 | 6.418 | -13▼ |
15 Yr Fixed-Jumbo | 6.294 | 6.294 | 6.294 | | | | |
20 Yr Fixed-Jumbo | 7.004 | 7.004 | 7.004 | | | | |
7 Yr ARM-Jumbo | 6.988 | 6.988 | 6.988 | | | | |
5 Yr ARM-Jumbo | 7.030 | 7.030 | 7.030 | | | | |
30 Yr Fixed-Jumbo | 7.073 | 7.073 | 7.073 | | | | |
Used Motorcycle-60 Mo | 7.93 | 10.99 | 5.59 | 7.65 | 13.99 | 2.50 | -28▼ |
New Motorcycle-60 Mo | 7.80 | 9.99 | 5.59 | 7.37 | 12.50 | 2.50 | -44▼ |
Used Motorhome-60 Mo | 8.67 | 11.01 | 6.24 | 7.79 | 16.19 | 2.00 | -89▼ |
New Motorhome-60 Mo | 8.54 | 18.00 | 2.99 | 7.71 | 18.00 | 1.00 | -83▼ |
Student Loan-10 Year | 8.92 | 8.92 | 8.92 | 7.95 | 9.25 | 7.00 | -97▼ |
Unsecured - 36 Mo | 11.48 | 25.17 | 3.75 | 10.86 | 20.00 | 1.49 | -62▼ |