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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 | 0.29 | 1.90 | 0.01 | 0.54 | 1.80 | 0.10 | 25▲ |
6 Mo CD - $10k | 0.55 | 2.45 | 0.01 | 0.80 | 3.00 | 0.10 | 25▲ |
1 Yr CD - $10k | 1.07 | 2.90 | 0.01 | 1.37 | 3.09 | 0.15 | 30▲ |
18 Mo CD - $10k | 1.24 | 3.00 | 0.03 | 1.47 | 3.00 | 0.20 | 24▲ |
2 Yr CD - $10k | 1.37 | 3.25 | 0.03 | 1.53 | 3.00 | 0.25 | 16▲ |
30 Mo CD - $10k | 1.35 | 3.00 | 0.03 | 1.76 | 2.90 | 0.40 | 41▲ |
3 Yr CD - $10k | 1.45 | 3.25 | 0.03 | 1.69 | 3.00 | 0.35 | 24▲ |
4 Yr CD - $10k | 1.48 | 3.35 | 0.03 | 1.85 | 3.10 | 0.50 | 36▲ |
5 Yr CD - $10k | 1.63 | 3.30 | 0.03 | 2.04 | 3.25 | 0.60 | 41▲ |
1 Mo CD - $100k | 0.21 | 1.25 | 0.01 | 0.20 | 0.20 | 0.20 | -1▼ |
2 Mo CD - $100k | 0.20 | 1.00 | 0.01 | | | | |
3 Mo CD - $100k | 0.30 | 1.90 | 0.01 | 0.50 | 1.55 | 0.10 | 20▲ |
6 Mo CD - $100k | 0.61 | 2.45 | 0.01 | 0.85 | 3.00 | 0.13 | 24▲ |
1 Yr CD - $100k | 1.12 | 2.65 | 0.01 | 1.44 | 2.70 | 0.15 | 32▲ |
2 Yr CD - $100k | 1.44 | 2.85 | 0.03 | 1.73 | 2.80 | 0.40 | 29▲ |
3 Yr CD - $100k | 1.41 | 2.95 | 0.03 | 1.90 | 2.85 | 0.60 | 49▲ |
Interest Checking - $5k | 0.14 | 1.71 | 0.01 | 0.16 | 1.00 | 0.01 | 2▲ |
Liquid IRA Account | 0.20 | 2.68 | 0.01 | 0.46 | 2.50 | 0.01 | 26▲ |
Money Market - $2.5k | 0.21 | 1.82 | 0.01 | 0.27 | 1.05 | 0.05 | 6▲ |
Money Market - $10k | 0.31 | 1.82 | 0.01 | 0.32 | 1.05 | 0.05 | 1▲ |
Money Market - $25k | 0.39 | 2.16 | 0.01 | 0.41 | 1.25 | 0.05 | 2▲ |
Money Market - $50k | 0.44 | 2.16 | 0.01 | 0.48 | 1.40 | 0.05 | 4▲ |
Money Market - $100k | 0.50 | 2.16 | 0.01 | 0.62 | 1.85 | 0.05 | 12▲ |
Money Market - $250k | 0.53 | 2.16 | 0.01 | 0.64 | 2.25 | 0.05 | 11▲ |
Regular Savings - $1k | 0.24 | 4.00 | 0.01 | 0.22 | 2.05 | 0.01 | -2▼ |
New Car - 36 Mo | 5.13 | 8.00 | 2.87 | 3.15 | 4.99 | 1.99 | -198▼ |
New Car - 48 Mo | 5.18 | 8.25 | 2.87 | 3.44 | 4.99 | 2.49 | -173▼ |
New Car - 60 Mo | 5.28 | 8.50 | 3.37 | 3.62 | 5.00 | 2.49 | -167▼ |
New Car - 72 Mo | 4.97 | 7.49 | 3.37 | 4.09 | 5.49 | 2.74 | -89▼ |
Used Car - 36 Mo | 5.87 | 8.50 | 3.64 | 3.52 | 5.24 | 2.24 | -235▼ |
Used Car - 48 Mo | 5.83 | 8.50 | 3.74 | 3.77 | 5.29 | 2.74 | -206▼ |
Used Car - 60 Mo | 5.48 | 8.00 | 3.79 | 3.94 | 5.29 | 2.74 | -154▼ |
Used Car - 72 Mo | 4.88 | 5.67 | 4.00 | 4.48 | 6.29 | 2.99 | -40▼ |
New Boat - 60 Mo | 7.97 | 11.74 | 5.00 | 5.81 | 10.50 | 2.75 | -216▼ |
Rewards Credit Card | 15.45 | 20.49 | 9.99 | 11.57 | 16.24 | 7.99 | -388▼ |
Credit Card Platinum | 14.24 | 26.99 | 11.15 | 9.97 | 14.24 | 7.24 | -427▼ |
Credit Card Classic | 14.99 | 20.49 | 9.99 | 11.79 | 17.90 | 7.24 | -320▼ |
Home Equity - LOC | 6.04 | 9.09 | 4.50 | 5.48 | 7.50 | 4.25 | -56▼ |
Home Equity - 5 Yr | 4.65 | 8.31 | 3.49 | 4.89 | 8.00 | 3.12 | 24▲ |
Home Equity - 10 Yr | 5.07 | 8.03 | 3.99 | 5.33 | 8.25 | 4.00 | 26▲ |
Home Equity - 15 Yr | 5.41 | 8.11 | 4.25 | 5.67 | 7.74 | 4.49 | 26▲ |
15 Yr Fixed | 4.239 | 4.650 | 3.125 | 4.236 | 4.526 | 2.860 | 0▼ |
10 Yr Fixed | 1.109 | 1.000 | 1.000 | 4.093 | 3.974 | 3.974 | 298▲ |
20 Yr Fixed | 4.600 | 5.000 | 3.875 | 4.532 | 4.875 | 3.337 | -7▼ |
30 Yr Fixed | 4.741 | 5.250 | 4.250 | 4.681 | 5.125 | 3.562 | -6▼ |
1 Yr ARM | 3.861 | 5.375 | 2.750 | 4.130 | 5.258 | 3.375 | 27▲ |
3/1 ARM | 3.901 | 5.125 | 1.000 | 4.115 | 5.250 | 2.375 | 21▲ |
5/1 ARM | 4.024 | 5.375 | 3.125 | 3.975 | 4.881 | 3.125 | -5▼ |
7/1 ARM | 4.282 | 5.625 | 3.250 | 4.161 | 4.813 | 3.326 | -12▼ |
New RV - 60 Mo | 7.63 | 10.74 | 4.49 | 5.85 | 10.50 | 2.75 | -178▼ |
Unsecured - 36 Mo | 11.47 | 16.75 | 7.00 | 9.26 | 13.25 | 5.74 | -221▼ |
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