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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 | 0.32 | 1.90 | 0.01 | 0.46 | 1.80 | 0.05 | 14▲ |
6 Mo CD - $10k | 0.49 | 2.25 | 0.01 | 0.82 | 3.00 | 0.05 | 33▲ |
1 Yr CD - $10k | 0.88 | 2.75 | 0.01 | 1.23 | 2.79 | 0.07 | 35▲ |
18 Mo CD - $10k | 1.08 | 2.75 | 0.05 | 1.57 | 2.80 | 0.07 | 49▲ |
2 Yr CD - $10k | 1.19 | 3.04 | 0.10 | 1.62 | 3.25 | 0.10 | 42▲ |
30 Mo CD - $10k | 1.29 | 3.10 | 0.10 | 1.65 | 3.04 | 0.10 | 36▲ |
3 Yr CD - $10k | 1.34 | 3.25 | 0.10 | 1.83 | 3.10 | 0.12 | 50▲ |
4 Yr CD - $10k | 1.50 | 3.35 | 0.15 | 2.09 | 3.15 | 0.12 | 59▲ |
5 Yr CD - $10k | 1.82 | 3.50 | 0.35 | 2.29 | 3.56 | 0.15 | 47▲ |
1 Mo CD - $100k | 0.24 | 2.11 | 0.01 | 0.34 | 0.65 | 0.03 | 10▲ |
2 Mo CD - $100k | 0.27 | 2.18 | 0.01 | | | | |
3 Mo CD - $100k | 0.32 | 2.25 | 0.01 | 0.51 | 1.55 | 0.15 | 19▲ |
3 Mo CD - $250k | | | | 0.65 | 0.65 | 0.65 | |
6 Mo CD - $100k | 0.47 | 2.42 | 0.01 | 1.12 | 3.00 | 0.25 | 64▲ |
6 Mo CD - $250k | | | | 1.28 | 1.65 | 0.90 | |
1 Yr CD - $100k | 0.82 | 2.75 | 0.01 | 1.42 | 2.79 | 0.20 | 60▲ |
1 Yr CD - $250k | | | | 1.75 | 2.25 | 1.25 | |
2 Yr CD - $100k | 1.06 | 3.04 | 0.10 | 1.82 | 3.25 | 0.40 | 76▲ |
2 Yr CD - $250k | | | | 2.20 | 2.75 | 1.65 | |
3 Yr CD - $100k | 1.25 | 3.00 | 0.10 | 2.00 | 2.95 | 0.65 | 75▲ |
3 Yr CD - $250k | | | | 2.50 | 2.95 | 2.05 | |
Interest Checking - $5k | 0.11 | 1.25 | 0.01 | 0.17 | 3.00 | 0.01 | 7▲ |
Liquid IRA Account | 0.39 | 2.40 | 0.01 | 0.45 | 2.12 | 0.02 | 6▲ |
Money Market - $2.5k | 0.17 | 1.90 | 0.01 | 0.35 | 1.90 | 0.05 | 17▲ |
Money Market - $10k | 0.28 | 2.20 | 0.01 | 0.41 | 1.90 | 0.05 | 13▲ |
Money Market - $25k | 0.36 | 2.20 | 0.01 | 0.56 | 1.90 | 0.05 | 20▲ |
Money Market - $50k | 0.41 | 2.20 | 0.01 | 0.66 | 1.90 | 0.05 | 25▲ |
Money Market - $100k | 0.49 | 2.20 | 0.01 | 0.80 | 2.20 | 0.05 | 31▲ |
Money Market - $250k | 0.52 | 2.30 | 0.01 | 0.85 | 2.25 | 0.05 | 33▲ |
Regular Savings - $1k | 0.15 | 2.10 | 0.01 | 0.21 | 2.10 | 0.02 | 6▲ |
New Car - 36 Mo | 4.60 | 7.78 | 1.99 | 3.34 | 4.50 | 1.49 | -127▼ |
New Car - 48 Mo | 4.73 | 7.87 | 1.99 | 3.46 | 4.59 | 1.99 | -127▼ |
New Car - 60 Mo | 4.86 | 8.00 | 1.99 | 3.59 | 4.89 | 1.99 | -126▼ |
New Car - 72 Mo | 4.86 | 8.23 | 2.59 | 3.98 | 5.49 | 1.99 | -87▼ |
Used Car - 36 Mo | 5.07 | 8.75 | 1.99 | 3.52 | 5.24 | 1.49 | -155▼ |
Used Car - 48 Mo | 5.18 | 8.75 | 1.99 | 3.63 | 5.29 | 1.99 | -155▼ |
Used Car - 60 Mo | 5.11 | 8.75 | 1.99 | 3.75 | 5.29 | 1.99 | -136▼ |
Used Car - 72 Mo | 4.84 | 7.25 | 2.99 | 4.16 | 6.29 | 1.99 | -67▼ |
New Boat - 60 Mo | 5.98 | 10.59 | 3.25 | 5.19 | 10.10 | 2.49 | -79▼ |
Rewards Credit Card | 15.20 | 18.24 | 5.00 | 11.87 | 18.00 | 7.90 | -332▼ |
Credit Card Platinum | 13.04 | 17.99 | 5.00 | 10.40 | 14.24 | 7.90 | -265▼ |
Credit Card Classic | 12.95 | 21.24 | 5.00 | 11.86 | 17.99 | 1.00 | -108▼ |
Home Equity - LOC | 5.91 | 9.25 | 4.75 | 5.43 | 7.25 | 3.50 | -48▼ |
Home Equity - 5 Yr | 5.58 | 8.41 | 3.75 | 5.23 | 7.74 | 2.99 | -34▼ |
Home Equity - 10 Yr | 6.01 | 8.13 | 4.25 | 5.80 | 7.74 | 4.00 | -21▼ |
Home Equity - 15 Yr | 6.42 | 8.25 | 4.25 | 6.37 | 7.99 | 4.24 | -6▼ |
15 Yr Fixed | 4.349 | 5.500 | 3.308 | 4.243 | 5.250 | 3.185 | -11▼ |
10 Yr Fixed | 1.109 | 1.000 | 1.000 | | | | |
20 Yr Fixed | 4.585 | 5.750 | 1.000 | 4.585 | 5.500 | 3.645 | 0▲ |
30 Yr Fixed | 4.795 | 5.875 | 3.908 | 4.715 | 5.750 | 3.855 | -8▼ |
1 Yr ARM | 4.664 | 5.875 | 2.990 | 3.751 | 5.219 | 1.000 | -91▼ |
3/1 ARM | 4.199 | 5.625 | 1.000 | 3.931 | 5.375 | 1.000 | -27▼ |
5/1 ARM | 4.329 | 5.625 | 3.125 | 4.154 | 5.750 | 1.000 | -18▼ |
7/1 ARM | 4.313 | 5.500 | 3.250 | 4.143 | 4.785 | 1.000 | -17▼ |
New RV - 60 Mo | 5.95 | 10.59 | 3.25 | 5.18 | 10.10 | 2.49 | -77▼ |
Unsecured - 36 Mo | 9.94 | 18.01 | 4.99 | 9.34 | 13.49 | 4.99 | -59▼ |
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