RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 116,773 financial institution locations in 18,140 markets across the United States as of 10/31/2014.

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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 - $10k0.151.000.010.301.410.0115
1 Yr CD - $10k0.251.500.010.451.920.0120
18 Mo CD - $10k0.301.550.010.541.970.0124
2 Yr CD - $10k0.411.650.010.672.070.0526
30 Mo CD - $10k0.402.000.030.762.170.0536
3 Yr CD - $10k0.561.760.030.932.330.0537
4 Yr CD - $10k0.702.020.031.162.530.0545
5 Yr CD - $10k0.942.750.031.443.050.0551
1 Mo CD - $100k0.070.750.010.170.600.0211
2 Mo CD - $100k0.060.750.010.210.600.0514
3 Mo CD - $100k0.090.750.010.250.900.0115
6 Mo CD - $100k0.131.000.010.351.000.0321
1 Yr CD - $100k0.231.500.010.511.660.0528
2 Yr CD - $100k0.381.550.050.732.000.1035
3 Yr CD - $100k0.531.710.051.001.760.2547
Interest Checking - $5k0.071.990.010.112.250.014
Liquid IRA Account0.173.290.010.343.300.0117
Money Market - $2.5k0.081.050.010.181.310.0110
Money Market - $10k0.111.510.010.211.310.0110
Money Market - $25k0.141.510.010.251.310.0112
Money Market - $50k0.161.510.010.291.310.0113
Money Market - $100k0.191.510.010.331.310.0114
Money Market - $250k0.201.510.010.341.310.0114
Regular Savings - $1k0.081.010.010.143.000.017
New Car - 36 Mo3.8913.000.892.446.000.90-145
New Car - 48 Mo3.9813.001.752.596.500.99-139
New Car - 60 Mo4.0910.361.752.687.500.99-140
New Car - 72 Mo3.9410.001.993.078.750.99-87
Used Car - 36 Mo4.4513.751.872.697.500.90-176
Used Car - 48 Mo4.4913.751.872.817.751.09-168
Used Car - 60 Mo4.3011.741.992.9111.001.24-139
Used Car - 72 Mo3.9611.742.243.297.501.24-68
New Boat - 60 Mo6.7615.501.795.2013.501.29-156
Rewards Credit Card12.0019.964.999.9016.903.25-211
Credit Card Platinum10.7419.904.999.0117.992.99-173
Credit Card Classic12.5120.996.7511.3119.904.88-120
Home Equity - LOC4.637.622.504.0010.752.00-62
Home Equity - 5 Yr5.559.992.744.538.751.99-102
Home Equity - 10 Yr5.929.752.755.109.002.62-82
Home Equity - 15 Yr6.1910.753.255.479.502.85-72
15 Yr Fixed3.56310.0002.6073.5778.2282.8751
20 Yr Fixed4.11410.0002.3314.1196.2883.4610
30 Yr Fixed4.28210.0003.1224.2896.5733.6281
1 Yr ARM3.1008.6911.0632.7766.1911.201-32
3/1 ARM3.24610.0002.1813.0596.3502.016-19
5/1 ARM3.34810.0002.1693.2835.3172.307-6
7/1 ARM3.5437.9572.5573.5595.5682.5572
10/1YR ARM 
New RV - 60 Mo6.8813.251.795.2513.501.29-163
Unsecured - 36 Mo10.5924.783.759.5118.003.00-108
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* Represents the difference in the average rate between banks and credit unions.