RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 166,829 financial institution locations in 19,378 markets across the United States as of 3/29/2015.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.830.010.201.360.0111
6 Mo CD - $10k0.151.010.010.311.410.0116
1 Yr CD - $10k0.251.310.010.471.920.0122
18 Mo CD - $10k0.301.500.020.571.970.0127
2 Yr CD - $10k0.421.500.030.712.270.0529
30 Mo CD - $10k0.421.800.020.809.000.0539
3 Yr CD - $10k0.582.250.050.972.330.0539
4 Yr CD - $10k0.712.050.091.202.530.0549
5 Yr CD - $10k0.952.500.091.493.050.0555
1 Mo CD - $100k0.070.750.010.180.600.0211
2 Mo CD - $100k0.060.750.010.210.600.0514
3 Mo CD - $100k0.090.750.010.260.900.0116
6 Mo CD - $100k0.131.200.010.361.000.0323
1 Yr CD - $100k0.231.500.010.551.500.0531
2 Yr CD - $100k0.391.550.050.781.560.1039
3 Yr CD - $100k0.542.250.051.051.770.2551
Interest Checking - $5k0.071.710.010.111.250.014
Liquid IRA Account0.163.290.010.343.300.0118
Money Market - $2.5k0.081.260.010.192.000.0111
Money Market - $10k0.111.510.010.211.310.0111
Money Market - $25k0.131.510.010.261.310.0113
Money Market - $50k0.161.510.010.301.310.0114
Money Market - $100k0.191.510.010.341.310.0115
Money Market - $250k0.201.510.010.351.310.0115
Regular Savings - $1k0.081.050.010.142.000.016
New Car - 36 Mo3.9113.001.742.436.050.95-148
New Car - 48 Mo3.9913.001.752.576.501.24-142
New Car - 60 Mo4.1111.001.752.687.501.24-143
New Car - 72 Mo4.1310.001.853.078.751.24-106
Used Car - 36 Mo4.3913.751.792.677.901.24-173
Used Car - 48 Mo4.4513.751.792.797.751.24-165
Used Car - 60 Mo4.2811.741.792.8911.001.24-139
Used Car - 72 Mo4.1711.741.853.287.501.24-90
New Boat - 60 Mo6.6913.251.795.1613.501.65-153
Credit Card Classic12.3620.996.7511.3719.904.99-99
Rewards Credit Card12.3519.964.999.9316.903.25-242
Credit Card Platinum10.6917.904.998.9714.994.75-172
Home Equity - LOC4.657.992.254.0310.752.25-62
Home Equity - 5 Yr5.4313.002.494.538.751.99-90
Home Equity - 10 Yr5.8013.002.995.089.002.35-72
Home Equity - 15 Yr6.0510.503.005.4210.502.35-63
15 Yr Fixed3.3777.2502.3753.3827.9002.6251
20 Yr Fixed3.8637.5502.7503.8636.2502.7500
30 Yr Fixed3.9957.2503.1254.0016.5003.2501
10/1 ARM 
7/1 ARM3.5006.5002.6253.4825.5002.250-2
3/1 ARM3.2317.0002.1253.0216.0001.750-21
5/1 ARM3.2938.0002.2503.2236.0002.000-7
1 Yr ARM2.9976.5001.0102.8765.5001.375-12
New RV - 60 Mo6.7913.831.795.2013.501.59-160
Unsecured - 36 Mo10.3920.753.759.4418.002.99-94
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* Represents the difference in the average rate between banks and credit unions.