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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 | 0.16 | 0.60 | 0.02 | 0.33 | 0.60 | 0.10 | 17▲ |
6 Mo CD - $10k | 0.26 | 0.75 | 0.03 | 0.53 | 1.65 | 0.10 | 27▲ |
1 Yr CD - $10k | 0.43 | 1.80 | 0.07 | 0.86 | 2.07 | 0.25 | 44▲ |
18 Mo CD - $10k | 0.46 | 1.00 | 0.07 | 1.15 | 2.22 | 0.50 | 68▲ |
2 Yr CD - $10k | 0.64 | 1.25 | 0.10 | 1.24 | 2.33 | 0.35 | 61▲ |
30 Mo CD - $10k | 0.59 | 1.35 | 0.10 | 1.24 | 1.85 | 0.65 | 65▲ |
3 Yr CD - $10k | 0.74 | 1.56 | 0.25 | 1.42 | 2.38 | 0.50 | 67▲ |
4 Yr CD - $10k | 0.88 | 1.61 | 0.30 | 1.58 | 2.43 | 0.75 | 70▲ |
5 Yr CD - $10k | 1.11 | 2.01 | 0.35 | 1.92 | 3.00 | 1.00 | 81▲ |
1 Mo CD - $100k | 0.11 | 0.50 | 0.03 | | | | |
2 Mo CD - $100k | 0.13 | 0.50 | 0.03 | | | | |
3 Mo CD - $100k | 0.15 | 0.60 | 0.03 | 0.47 | 0.70 | 0.30 | 32▲ |
6 Mo CD - $100k | 0.25 | 0.75 | 0.03 | 0.71 | 1.65 | 0.30 | 46▲ |
1 Yr CD - $100k | 0.46 | 1.80 | 0.07 | 1.13 | 2.07 | 0.55 | 67▲ |
2 Yr CD - $100k | 0.68 | 1.30 | 0.10 | 1.48 | 2.33 | 0.65 | 80▲ |
3 Yr CD - $100k | 0.77 | 1.56 | 0.25 | 1.63 | 2.40 | 0.85 | 86▲ |
Interest Checking - $5k | 0.06 | 0.50 | 0.01 | 0.11 | 0.35 | 0.01 | 5▲ |
Liquid IRA Account | 0.22 | 0.65 | 0.03 | 0.33 | 0.65 | 0.05 | 11▲ |
Money Market - $2.5k | 0.08 | 0.30 | 0.02 | 0.18 | 0.60 | 0.05 | 10▲ |
Money Market - $10k | 0.11 | 0.45 | 0.04 | 0.23 | 0.65 | 0.05 | 12▲ |
Money Market - $25k | 0.15 | 0.75 | 0.05 | 0.29 | 0.70 | 0.05 | 14▲ |
Money Market - $50k | 0.16 | 0.75 | 0.05 | 0.34 | 0.75 | 0.05 | 17▲ |
Money Market - $100k | 0.20 | 0.75 | 0.01 | 0.40 | 0.85 | 0.15 | 21▲ |
Money Market - $250k | 0.21 | 0.75 | 0.01 | 0.42 | 0.90 | 0.15 | 21▲ |
Regular Savings - $1k | 0.09 | 0.26 | 0.01 | 0.14 | 0.35 | 0.01 | 5▲ |
New Car - 36 Mo | 4.64 | 8.99 | 2.30 | 2.71 | 4.25 | 1.95 | -193▼ |
New Car - 48 Mo | 4.75 | 8.99 | 2.30 | 2.91 | 4.25 | 2.24 | -184▼ |
New Car - 60 Mo | 4.80 | 8.99 | 2.45 | 3.04 | 4.25 | 2.49 | -175▼ |
New Car - 72 Mo | 4.72 | 7.00 | 2.55 | 3.24 | 4.25 | 2.74 | -148▼ |
Used Car - 36 Mo | 5.31 | 9.25 | 2.89 | 2.88 | 4.29 | 1.95 | -242▼ |
Used Car - 48 Mo | 5.40 | 9.25 | 3.14 | 3.12 | 4.59 | 2.24 | -228▼ |
Used Car - 60 Mo | 4.71 | 7.50 | 3.14 | 3.28 | 4.59 | 2.70 | -144▼ |
Used Car - 72 Mo | 4.31 | 4.88 | 3.39 | 3.53 | 5.59 | 2.74 | -78▼ |
New Boat - 60 Mo | 6.32 | 10.58 | 3.99 | 5.70 | 8.00 | 4.25 | -62▼ |
Rewards Credit Card | 13.34 | 17.49 | 6.00 | 9.74 | 13.49 | 6.90 | -361▼ |
Credit Card Platinum | 12.00 | 16.65 | 9.24 | 9.69 | 11.96 | 7.24 | -231▼ |
Credit Card Classic | 10.66 | 14.24 | 7.65 | 11.17 | 15.99 | 6.49 | 51▲ |
Home Equity - LOC | 5.81 | 8.94 | 4.50 | 5.16 | 6.02 | 4.25 | -65▼ |
Home Equity - 5 Yr | 5.43 | 5.88 | 4.75 | 5.28 | 6.50 | 4.49 | -14▼ |
Home Equity - 10 Yr | 6.24 | 8.66 | 4.75 | 5.77 | 6.88 | 4.75 | -47▼ |
Home Equity - 15 Yr | 6.51 | 8.87 | 4.75 | 5.88 | 7.00 | 4.75 | -63▼ |
15 Yr Fixed | 4.004 | 4.373 | 3.375 | 4.292 | 4.910 | 3.625 | 29▲ |
10 Yr Fixed | 1.111 | 1.000 | 1.000 | | | | |
20 Yr Fixed | 4.163 | 4.625 | 1.000 | 4.606 | 4.750 | 4.125 | 44▲ |
30 Yr Fixed | 4.481 | 4.875 | 4.000 | 4.767 | 4.875 | 4.250 | 29▲ |
1 Yr ARM | | | | 3.593 | 3.750 | 3.125 | |
3/1 ARM | 3.040 | 3.875 | 1.000 | 3.587 | 4.000 | 2.125 | 55▲ |
5/1 ARM | 3.929 | 4.802 | 3.000 | 3.906 | 4.000 | 2.875 | -2▼ |
7/1 ARM | 4.069 | 4.765 | 3.125 | 4.270 | 4.250 | 3.750 | 20▲ |
New RV - 60 Mo | 6.45 | 10.58 | 3.99 | 5.60 | 8.00 | 4.10 | -85▼ |
Unsecured - 36 Mo | 10.66 | 15.99 | 5.83 | 9.37 | 11.90 | 6.49 | -129▼ |
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