RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 166,529 financial institution locations in 19,371 markets across the United States as of 1/31/2015.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.800.010.201.360.0110
6 Mo CD - $10k0.151.000.010.301.410.0116
1 Yr CD - $10k0.251.500.010.462.270.0121
18 Mo CD - $10k0.301.550.010.561.970.0125
2 Yr CD - $10k0.411.650.010.692.070.0527
30 Mo CD - $10k0.411.800.050.799.000.0538
3 Yr CD - $10k0.572.020.050.952.330.0538
4 Yr CD - $10k0.712.270.091.182.530.0547
5 Yr CD - $10k0.952.520.091.483.050.0553
1 Mo CD - $100k0.070.750.010.180.600.0212
2 Mo CD - $100k0.060.750.010.210.600.0515
3 Mo CD - $100k0.090.750.010.250.900.0116
6 Mo CD - $100k0.141.200.010.361.000.0322
1 Yr CD - $100k0.231.500.010.541.500.0531
2 Yr CD - $100k0.391.550.050.761.560.1037
3 Yr CD - $100k0.531.660.051.031.760.2550
Interest Checking - $5k0.0725.000.010.112.000.014
Liquid IRA Account0.173.290.010.343.300.0117
Money Market - $2.5k0.081.260.010.181.310.0110
Money Market - $10k0.111.510.010.211.310.0110
Money Market - $50k0.161.510.010.301.310.0114
Money Market - $25k0.131.510.010.251.310.0112
Money Market - $100k0.191.510.010.331.310.0115
Money Market - $250k0.201.510.010.341.310.0114
Regular Savings - $1k0.081.250.010.142.000.016
New Car - 36 Mo3.8913.001.492.456.050.95-144
New Car - 48 Mo3.9813.001.752.596.501.24-139
New Car - 60 Mo4.0910.361.752.697.501.24-140
New Car - 72 Mo4.1110.001.853.088.751.24-103
Used Car - 36 Mo4.4013.751.852.697.900.99-171
Used Car - 48 Mo4.4513.751.852.817.751.24-164
Used Car - 60 Mo4.2611.741.852.9011.001.24-136
Used Car - 72 Mo4.1611.740.893.297.501.24-87
New Boat - 60 Mo6.7615.501.795.1613.501.29-160
Credit Card Platinum10.7217.904.998.9714.994.75-174
Rewards Credit Card11.9119.964.999.7916.903.25-212
Credit Card Classic12.4520.996.7511.3919.904.88-106
Home Equity - LOC4.687.992.254.0110.752.25-67
Home Equity - 5 Yr5.529.992.594.548.751.99-99
Home Equity - 10 Yr5.909.502.755.109.002.62-81
Home Equity - 15 Yr6.1610.503.255.4510.502.85-71
15 Yr Fixed3.3497.2502.3753.3167.9002.375-3
20 Yr Fixed3.8237.5502.8753.8086.2503.000-1
30 Yr Fixed3.9217.2503.1253.9066.5003.125-2
10/1 ARM 
1 Yr ARM2.8336.3501.0102.8635.5001.2503
7/1 ARM3.4126.5002.5003.4205.5002.1251
3/1 ARM3.1927.0002.1252.9586.0001.750-23
5/1 ARM3.2588.0002.1253.1976.0001.875-6
New RV - 60 Mo6.8913.991.795.2113.501.29-168
Unsecured - 36 Mo10.5324.793.759.4518.003.00-108
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* Represents the difference in the average rate between banks and credit unions.