RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 169,464 financial institution locations in 19,447 markets across the United States as of 6/30/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.900.010.231.360.0112
6 Mo CD - $10k0.161.250.010.341.410.0118
1 Yr CD - $10k0.271.430.010.531.920.0126
18 Mo CD - $10k0.331.620.010.652.000.0132
2 Yr CD - $10k0.451.790.010.782.070.0534
30 Mo CD - $10k0.451.890.010.872.170.0542
3 Yr CD - $10k0.602.070.011.052.330.0545
4 Yr CD - $10k0.722.250.011.282.530.0556
5 Yr CD - $10k0.932.750.011.573.050.0564
1 Mo CD - $100k0.070.800.010.200.600.0213
2 Mo CD - $100k0.070.800.010.230.600.0516
3 Mo CD - $100k0.100.800.010.283.000.0119
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.151.160.010.401.000.0326
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.251.350.010.621.550.0536
1 Yr CD - $250k   0.621.060.45 
2 Yr CD - $100k0.421.750.030.881.750.0546
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.551.820.031.152.000.2560
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.061.710.010.113.010.015
Liquid IRA Account0.163.290.010.343.150.0119
Money Market - $2.5k0.081.260.010.192.000.0111
Money Market - $10k0.101.260.010.221.310.0112
Money Market - $25k0.131.260.010.271.900.0114
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 Mo3.8515.001.742.437.490.95-142
New Car - 48 Mo3.9315.001.802.587.491.45-135
New Car - 60 Mo4.0315.001.802.687.501.45-135
New Car - 72 Mo4.068.991.853.058.751.49-101
Used Car - 36 Mo4.3613.751.742.697.500.99-168
Used Car - 48 Mo4.4113.751.802.817.501.49-160
Used Car - 60 Mo4.2512.001.802.917.751.49-134
Used Car - 72 Mo4.199.751.853.297.501.50-91
New Boat - 60 Mo6.6313.501.955.0511.990.35-158
Rewards Credit Card12.6519.994.9910.1416.903.50-251
Credit Card Platinum11.3424.995.509.1215.005.15-222
Credit Card Classic12.3922.744.7411.2118.201.00-118
Home Equity - LOC4.808.512.504.028.001.99-78
Home Equity - 5 Yr4.8111.002.484.469.751.75-36
Home Equity - 10 Yr5.2311.002.884.989.002.69-25
Home Equity - 15 Yr5.519.092.885.329.252.88-19
15 Yr Fixed3.2147.2502.3253.2117.9002.3750
20 Yr Fixed3.6607.5502.3753.6725.9992.8751
30 Yr Fixed3.8037.1253.1253.8016.2503.1200
1 Yr ARM2.8756.3501.5002.7375.5001.000-14
3/1 ARM3.2897.0001.9002.9756.5001.000-31
5/1 ARM3.2308.0002.1503.1255.5001.000-11
7/1 ARM3.3718.2502.2853.3995.0001.0003
New RV - 60 Mo6.7514.501.955.0711.991.50-168
Unsecured - 36 Mo10.0720.753.409.3318.002.99-73
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* Represents the difference in the average rate between banks and credit unions.