RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 169,564 financial institution locations in 19,448 markets across the United States as of 7/24/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.900.010.221.360.0112
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 - $10k0.441.890.010.872.170.0543
3 Yr CD - $10k0.592.070.011.042.330.0545
4 Yr CD - $10k0.722.250.011.282.530.0555
5 Yr CD - $10k0.922.500.011.563.050.0564
1 Mo CD - $100k0.070.800.010.200.600.0213
2 Mo CD - $100k0.070.800.010.230.600.0516
3 Mo CD - $100k0.100.800.010.283.000.0118
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 - $100k0.411.700.030.881.750.0546
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 Account0.163.290.010.343.300.0118
Money Market - $2.5k0.081.260.010.192.000.0111
Money Market - $10k0.101.260.010.221.310.0112
Money Market - $25k0.131.260.010.261.310.0114
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 Mo3.8215.001.492.437.990.95-139
New Car - 48 Mo3.9015.001.492.587.991.45-132
New Car - 60 Mo4.0015.001.752.687.991.45-132
New Car - 72 Mo4.028.991.753.058.751.49-97
Used Car - 36 Mo4.3413.751.492.697.991.00-165
Used Car - 48 Mo4.3813.751.492.817.991.49-157
Used Car - 60 Mo4.2212.001.752.917.991.49-131
Used Car - 72 Mo4.189.751.753.297.991.50-89
New Boat - 60 Mo6.6113.501.955.0311.991.50-158
Rewards Credit Card12.6619.994.9910.1416.903.50-252
Credit Card Platinum11.3524.995.509.0914.995.15-226
Credit Card Classic12.4422.744.7411.1818.201.00-125
Home Equity - LOC4.808.512.004.018.001.99-79
Home Equity - 5 Yr4.8211.002.484.459.751.75-36
Home Equity - 10 Yr5.2211.002.884.979.002.69-25
Home Equity - 15 Yr5.499.092.885.319.252.88-18
15 Yr Fixed3.1467.2502.3253.1367.9002.375-1
20 Yr Fixed3.5897.5502.3753.5925.9992.8750
30 Yr Fixed3.7327.1252.7503.7026.2503.000-3
1 Yr ARM2.9176.3501.5002.7295.5001.000-19
3/1 ARM3.3267.0001.8752.9406.0001.000-39
5/1 ARM3.2408.0002.1503.0925.5001.000-15
7/1 ARM3.3648.2502.3753.3635.2501.0000
New RV - 60 Mo6.7314.501.955.0611.991.50-168
Unsecured - 36 Mo10.0620.752.509.3218.002.99-74
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* Represents the difference in the average rate between banks and credit unions.