RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 167,553 financial institution locations in 19,395 markets across the United States as of 7/27/2015.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.800.010.211.360.0111
6 Mo CD - $10k0.151.260.010.311.410.0116
1 Yr CD - $10k0.251.260.010.481.920.0123
18 Mo CD - $10k0.321.500.010.571.970.0126
2 Yr CD - $10k0.431.500.010.722.070.0130
30 Mo CD - $10k0.422.000.010.829.000.0539
3 Yr CD - $10k0.582.100.010.992.330.0141
4 Yr CD - $10k0.722.050.011.222.530.0550
5 Yr CD - $10k0.952.500.011.513.050.0156
1 Mo CD - $100k0.070.750.010.190.600.0212
2 Mo CD - $100k0.060.750.010.220.600.0515
3 Mo CD - $100k0.090.750.010.260.900.0116
6 Mo CD - $100k0.141.260.010.371.150.0323
1 Yr CD - $100k0.231.350.010.561.300.0532
2 Yr CD - $100k0.401.450.050.802.000.1040
3 Yr CD - $100k0.551.770.051.081.850.2553
Interest Checking - $5k0.061.710.010.112.010.015
Liquid IRA Account0.163.290.010.343.300.0118
Money Market - $2.5k0.081.050.010.182.000.0111
Money Market - $10k0.101.260.010.211.310.0111
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 - $1k0.071.050.010.141.510.016
New Car - 36 Mo3.8615.001.452.406.050.95-146
New Car - 48 Mo3.9415.001.752.556.501.25-140
New Car - 60 Mo4.0515.001.752.657.001.35-140
New Car - 72 Mo4.0210.001.853.048.751.48-98
Used Car - 36 Mo4.3613.751.792.647.900.99-172
Used Car - 48 Mo4.4213.751.792.777.751.30-165
Used Car - 60 Mo4.2311.741.792.8711.001.40-136
Used Car - 72 Mo3.9710.001.853.267.501.50-71
New Boat - 60 Mo6.6713.252.005.1013.001.75-158
Rewards Credit Card12.4419.964.9910.0019.003.25-244
Credit Card Platinum11.0517.905.258.9314.991.99-212
Credit Card Classic12.7420.996.7511.3519.904.99-139
Home Equity - LOC4.698.952.253.998.001.99-70
Home Equity - 5 Yr5.4210.752.494.538.751.75-89
Home Equity - 10 Yr5.8110.752.995.079.002.75-74
Home Equity - 15 Yr6.0810.503.005.439.502.90-64
15 Yr Fixed3.5709.0002.7503.5547.9002.625-2
20 Yr Fixed4.1007.5502.7504.11410.0003.0001
30 Yr Fixed4.2537.2503.2504.2636.5003.2501
10/1 ARM 
1 Yr ARM2.8186.5001.0102.8415.5001.5002
3/1 ARM3.2747.0001.9903.0106.0001.750-26
5/1 ARM3.3538.0002.3303.2625.5002.250-9
7/1 ARM3.5668.2502.6253.58510.0002.5002
New RV - 60 Mo6.8113.830.005.1413.001.59-167
Unsecured - 36 Mo10.3320.753.009.3818.003.23-95
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* Represents the difference in the average rate between banks and credit unions.