The average deposit rates for credit unions range between 0.13 and 0.83 percent, as of the period between 2008 and 2014. Typically, credit unions offer higher rates of return than commercial banks.
The average interest rate offered by credit unions in 2014 was 0.13 percent, while that offered by commercial banks was 0.12 percent. In 2008, credit unions offered an average interest rate of 0.83 percent for regular savings accounts. Deposits made to credit unions have the same level of insurance as those made to conventional banks. Credit unions also offer loan rates that are lower than those offered by commercial banks.