RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 167,185 financial institution locations in 19,384 markets across the United States as of 5/24/2015.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.830.010.211.360.0111
6 Mo CD - $10k0.151.500.010.311.410.0116
1 Yr CD - $10k0.251.260.010.471.920.0122
18 Mo CD - $10k0.311.310.010.571.970.0126
2 Yr CD - $10k0.421.900.010.712.270.0130
30 Mo CD - $10k0.422.000.010.819.000.0539
3 Yr CD - $10k0.582.050.010.972.330.0140
4 Yr CD - $10k0.712.050.011.212.530.0549
5 Yr CD - $10k0.942.500.011.493.050.0156
1 Mo CD - $100k0.070.750.010.200.600.0213
2 Mo CD - $100k0.070.750.010.220.600.0515
3 Mo CD - $100k0.090.750.010.250.900.0116
6 Mo CD - $100k0.141.500.010.371.000.0323
1 Yr CD - $100k0.231.260.010.551.500.0532
2 Yr CD - $100k0.391.510.050.792.000.1039
3 Yr CD - $100k0.551.770.051.061.900.2552
Interest Checking - $5k0.071.710.010.112.010.015
Liquid IRA Account0.163.290.010.343.300.0118
Money Market - $2.5k0.081.260.010.192.000.0111
Money Market - $10k0.101.510.010.211.310.0111
Money Market - $25k0.131.510.010.261.310.0113
Money Market - $50k0.151.510.010.301.310.0115
Money Market - $100k0.181.510.010.341.310.0115
Money Market - $250k0.191.510.010.351.310.0115
Regular Savings - $1k0.071.050.010.142.000.007
New Car - 36 Mo3.9013.001.742.416.050.80-149
New Car - 48 Mo3.9913.001.752.556.500.80-143
New Car - 60 Mo4.0910.001.752.667.000.80-143
New Car - 72 Mo4.1110.001.773.068.751.49-104
Used Car - 36 Mo4.4113.751.792.667.900.80-175
Used Car - 48 Mo4.4613.751.792.787.750.80-168
Used Car - 60 Mo4.2811.741.792.8811.000.80-139
Used Car - 72 Mo4.0910.001.853.277.501.50-81
New Boat - 60 Mo6.6513.251.795.1212.500.80-154
Rewards Credit Card12.4519.964.999.9816.903.25-247
Credit Card Platinum10.7617.904.998.9817.004.75-178
Credit Card Classic12.5120.996.7511.3519.904.99-116
Home Equity - LOC4.668.202.254.028.001.99-65
Home Equity - 5 Yr5.4210.752.494.518.751.75-91
Home Equity - 10 Yr5.8010.752.995.069.001.75-75
Home Equity - 15 Yr6.0610.503.005.4110.502.85-65
15 Yr Fixed3.4227.2502.2503.3947.9002.500-3
20 Yr Fixed3.9497.5502.8753.9345.9993.060-2
30 Yr Fixed4.0927.2503.0004.0716.5003.000-2
10/1 ARM 
1 Yr ARM3.0326.5001.0102.8415.5001.375-19
3/1 ARM3.2557.0002.1252.9826.0001.750-27
5/1 ARM3.2738.2502.3753.2066.0002.125-7
7/1 ARM3.4686.5002.6253.5084.7502.5004
New RV - 60 Mo6.8113.831.795.1512.500.80-165
Unsecured - 36 Mo10.3820.753.009.4318.003.25-94
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* Represents the difference in the average rate between banks and credit unions.