RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 167,752 financial institution locations in 19,400 markets across the United States as of 8/29/2015.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.101.000.010.211.360.0111
6 Mo CD - $10k0.151.260.010.321.410.0117
1 Yr CD - $10k0.261.350.010.494.000.0123
18 Mo CD - $10k0.311.500.010.591.970.0128
2 Yr CD - $10k0.421.550.010.732.070.0131
30 Mo CD - $10k0.422.000.010.832.170.0541
3 Yr CD - $10k0.582.020.011.002.330.0142
4 Yr CD - $10k0.722.170.011.232.530.0551
5 Yr CD - $10k0.952.500.011.5512.900.0160
1 Mo CD - $100k0.070.750.010.200.600.0213
2 Mo CD - $100k0.070.750.010.220.600.0515
3 Mo CD - $100k0.090.650.010.260.900.0117
6 Mo CD - $100k0.141.260.010.371.000.0324
1 Yr CD - $100k0.241.360.010.571.500.0533
2 Yr CD - $100k0.401.550.030.821.750.1042
3 Yr CD - $100k0.551.770.031.091.850.2554
Interest Checking - $5k0.061.710.010.112.010.015
Liquid IRA Account0.163.290.010.343.300.0118
Money Market - $2.5k0.081.050.010.192.000.0111
Money Market - $10k0.101.260.010.221.310.0111
Money Market - $25k0.131.260.010.261.310.0113
Money Market - $50k0.151.260.010.301.310.0115
Money Market - $100k0.181.260.010.341.310.0116
Money Market - $250k0.191.260.010.351.500.0116
Regular Savings - $1k0.071.050.010.154.360.017
New Car - 36 Mo3.8715.001.452.406.050.90-147
New Car - 48 Mo3.9615.001.752.556.501.15-141
New Car - 60 Mo4.0615.001.752.657.501.35-141
New Car - 72 Mo4.0810.001.853.048.751.49-104
Used Car - 36 Mo4.3913.751.792.657.900.99-175
Used Car - 48 Mo4.4413.751.792.777.751.25-167
Used Car - 60 Mo4.2611.741.792.8711.001.45-138
Used Car - 72 Mo4.0510.001.853.267.501.50-79
New Boat - 60 Mo6.6413.252.005.0911.991.75-155
Rewards Credit Card12.4319.964.9910.0019.003.25-243
Credit Card Platinum11.1624.905.258.9414.995.15-222
Credit Card Classic12.7720.996.9911.3519.904.99-142
Home Equity - LOC4.698.462.253.998.001.99-70
Home Equity - 5 Yr5.1710.752.494.498.751.75-68
Home Equity - 10 Yr5.5910.752.995.039.002.75-56
Home Equity - 15 Yr5.8610.503.005.429.502.90-45
15 Yr Fixed3.4899.0000.1253.4817.9002.625-1
20 Yr Fixed3.9927.5502.8754.0035.9992.8751
30 Yr Fixed4.1517.1253.5004.1516.5003.2500
10/1 ARM 
1 Yr ARM2.8186.3501.0002.8735.5001.5006
3/1 ARM3.2527.0000.0013.0246.0001.750-23
5/1 ARM3.2918.0002.3753.2315.5002.375-6
7/1 ARM3.4948.2502.6253.5205.0002.6253
New RV - 60 Mo6.7813.832.005.1212.001.59-167
Unsecured - 36 Mo10.3120.753.009.3718.003.23-94
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* Represents the difference in the average rate between banks and credit unions.