RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 169,220 financial institution locations in 19,440 markets across the United States as of 5/24/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.800.010.231.600.0113
6 Mo CD - $10k0.161.250.010.343.000.0119
1 Yr CD - $10k0.271.430.010.531.920.0126
18 Mo CD - $10k0.331.620.010.642.000.0131
2 Yr CD - $10k0.441.790.010.782.070.0534
30 Mo CD - $10k0.431.890.010.872.170.0544
3 Yr CD - $10k0.592.070.011.052.330.0545
4 Yr CD - $10k0.722.250.011.282.530.0556
5 Yr CD - $10k0.932.500.011.583.050.0564
1 Mo CD - $100k0.070.800.010.200.600.0213
2 Mo CD - $100k0.070.800.010.220.600.0516
3 Mo CD - $100k0.100.800.010.280.900.0118
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.151.150.010.401.000.0326
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.251.350.010.621.550.0537
1 Yr CD - $250k   0.621.060.45 
2 Yr CD - $100k0.411.750.030.881.750.1047
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.552.000.031.152.000.2560
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.061.710.000.113.010.015
Liquid IRA Account0.163.290.010.343.300.0119
Money Market - $2.5k0.081.260.010.192.000.0111
Money Market - $10k0.101.260.010.221.310.0112
Money Market - $25k0.131.260.010.271.310.0114
Money Market - $50k0.151.260.010.311.310.0116
Money Market - $100k0.181.260.010.351.310.0117
Money Market - $250k0.191.260.010.361.310.0117
Regular Savings - $1k0.071.050.010.141.510.017
New Car - 36 Mo3.8515.001.742.437.490.65-141
New Car - 48 Mo3.9215.001.802.587.491.00-134
New Car - 60 Mo4.0315.001.802.687.501.15-135
New Car - 72 Mo4.058.991.853.068.751.49-100
Used Car - 36 Mo4.3513.751.742.697.500.70-166
Used Car - 48 Mo4.4013.751.802.817.501.05-159
Used Car - 60 Mo4.2512.001.802.917.751.25-134
Used Car - 72 Mo4.199.751.853.307.501.50-89
New Boat - 60 Mo6.6413.501.955.0611.990.35-158
Rewards Credit Card12.6719.994.9910.1316.903.50-254
Credit Card Platinum11.3324.995.509.1215.005.15-222
Credit Card Classic12.4322.746.9911.3018.201.00-113
Home Equity - LOC4.798.342.504.038.001.99-76
Home Equity - 5 Yr4.8311.002.484.459.751.75-38
Home Equity - 10 Yr5.2511.002.884.979.002.63-28
Home Equity - 15 Yr5.539.092.885.339.252.75-21
15 Yr Fixed3.2477.2502.3253.2457.9002.5000
20 Yr Fixed3.7277.5502.5003.7345.9993.0001
30 Yr Fixed3.8727.1252.7503.8616.2503.250-1
1 Yr ARM2.8836.3501.5002.7385.5001.000-15
3/1 ARM3.3287.0002.0002.9716.5001.000-36
5/1 ARM3.2928.0002.2503.1666.0001.000-13
7/1 ARM3.4678.2502.5003.4475.0001.000-2
New RV - 60 Mo6.7614.501.955.0811.991.50-169
Unsecured - 36 Mo10.1620.753.409.3518.002.99-80
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* Represents the difference in the average rate between banks and credit unions.