- Savings and Loans: Compare interest rates on savings, checking, money market, 6 month CDs, 12 month CDs, IRAs (which type), and Savings Bonds. Compare the interest rates on secured and unsecured loans. What are the advantages and disadvantages of each? Compare using at least 1 bank or credit union. What recommendations do you have? - Savings and Loans: Compare interest rates on savings, checking, money market, 6 month CDs, 12 month CDs, IRAs (which type), and Savings Bonds. Compare the interest rates on secured and unsecured loans. What are the advantages and disadvantages of each? Compare using at least 1 bank or credit union. What recommendations do you have