RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 169,783 financial institution locations in 19,450 markets across the United States as of 8/29/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.101.000.010.221.360.0112
6 Mo CD - $10k0.161.250.010.341.410.0118
1 Yr CD - $10k0.271.510.010.531.920.0126
18 Mo CD - $10k0.331.620.010.652.000.0132
2 Yr CD - $10k0.451.790.010.782.070.0534
30 Mo CD - $10k0.441.890.010.882.170.0544
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 - $100k0.100.860.010.283.000.0118
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.151.250.010.401.000.0325
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.251.510.010.621.550.0536
1 Yr CD - $250k   0.621.060.45 
2 Yr CD - $100k0.421.600.030.881.750.0546
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.551.820.031.141.870.2560
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.061.260.010.113.010.015
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 - $25k0.131.260.010.261.310.0113
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 Mo3.8315.001.492.427.990.95-141
New Car - 48 Mo3.9115.001.492.577.990.99-133
New Car - 60 Mo4.0015.001.752.687.991.45-133
New Car - 72 Mo4.038.991.753.058.751.49-98
Used Car - 36 Mo4.3513.751.492.697.990.99-166
Used Car - 48 Mo4.3913.751.492.817.990.99-158
Used Car - 60 Mo4.2412.001.752.917.991.49-133
Used Car - 72 Mo4.159.751.753.297.991.50-87
New Boat - 60 Mo6.6313.501.995.0311.991.50-160
Rewards Credit Card12.6224.994.9910.1316.903.50-249
Credit Card Platinum11.3424.993.749.0814.995.15-225
Credit Card Classic12.3224.994.7411.1718.201.00-115
Home Equity - LOC4.838.512.004.019.501.99-82
Home Equity - 5 Yr4.8111.002.484.469.751.75-36
Home Equity - 10 Yr5.2411.002.884.969.002.69-28
Home Equity - 15 Yr5.519.092.885.309.252.88-21
15 Yr Fixed3.1207.2502.1253.1197.9002.3750
20 Yr Fixed3.5337.5502.3753.5285.9992.8750
30 Yr Fixed3.6867.0003.0003.6746.2503.000-1
1 Yr ARM2.9296.3501.5002.8366.0001.000-9
3/1 ARM3.3127.0001.9002.9565.2501.000-36
5/1 ARM3.2078.0002.1503.1255.3751.000-8
7/1 ARM3.3336.1502.2503.3785.2501.0005
New RV - 60 Mo6.7514.501.995.0511.991.50-170
Unsecured - 36 Mo10.0220.752.509.3318.002.99-68
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* Represents the difference in the average rate between banks and credit unions.