Credit Union and Bank Rates 2015 Q1

Comparison of Average Savings, Deposits and Loan Rates at Credit Unions (CUs) and Banks
March 27, 2015

Product All CUs (National Average Rate) All Banks (National Average Rate) 27 Banks Converted from CUs (Average Rate)
5 Year CD-10K 1.43 1.19 1.37
4 Year CD-10K 1.15 0.95 1.08
3 Year CD-10K 0.91 0.77 0.93
2 Year CD-10K 0.67 0.57 0.72
1 Year CD-10K 0.44 0.36 0.47
6 Month CD-10K 0.28 0.22 0.24
3 Month CD-10K 0.19 0.14 0.16
Money market account-2.5K 0.16 0.12 0.13
Interest checking account-5K 0.10 0.09 0.07
Regular savings account-1K 0.13 0.12 0.09
Credit card, Classic 11.65 12.66 N/A
30 Year fixed-rate mortgage 3.90 3.90 3.91
15 Year fixed-rate mortgage 3.21 3.22 3.12
5/1 Year adjustable rate mortgage 3.17 3.46 3.13
3/1 Year adjustable rate mortgage 3.09 3.38 3.29
1 Year adjustable rate mortgage 2.97 3.31 2.55
Unsecured fixed rate loan, 36 months 9.38 10.29 10.25
Home equity loan, 5 year, 80% 4.45 5.07 4.41
Home equity loan, LOC, 80% 4.04 4.34 4.03
Used car loan, 48 months 2.80 5.18 4.35
Used car loan, 36 months 2.68 5.14 4.27
New car loan, 60 months 2.72 4.78 3.84
New car loan, 48 months 2.61 4.68 3.79
Last modified on
11/04/20