RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 168,595 financial institution locations in 19,432 markets across the United States as of 2/8/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.830.010.221.360.0112
6 Mo CD - $10k0.161.010.010.331.410.0118
1 Yr CD - $10k0.271.430.010.522.000.0125
18 Mo CD - $10k0.331.620.010.632.000.0130
2 Yr CD - $10k0.441.790.010.772.070.0533
30 Mo CD - $10k0.442.100.010.922.500.0548
3 Yr CD - $10k0.602.100.011.042.500.0544
4 Yr CD - $10k0.742.250.011.272.530.0553
5 Yr CD - $10k0.942.500.011.583.050.0563
1 Mo CD - $100k0.070.750.010.200.600.0213
2 Mo CD - $100k0.070.750.010.220.600.0515
3 Mo CD - $100k0.100.750.010.270.900.0118
3 Mo CD - $250k   0.250.250.25 
6 Mo CD - $100k0.151.200.010.401.000.0325
6 Mo CD - $250k   0.420.800.30 
1 Yr CD - $100k0.251.360.010.611.550.0536
1 Yr CD - $250k   0.551.050.40 
2 Yr CD - $100k0.411.510.030.871.750.1046
2 Yr CD - $250k   1.011.360.90 
3 Yr CD - $100k0.562.250.031.142.000.2559
3 Yr CD - $250k   1.431.871.30 
Interest Checking - $5k0.061.710.010.113.010.015
Liquid IRA Account0.163.290.010.353.300.0119
Money Market - $2.5k0.081.250.010.192.000.0111
Money Market - $10k0.101.260.010.221.310.0112
Money Market - $25k0.131.260.010.271.310.0114
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 - $1k0.071.250.010.141.510.017
New Car - 36 Mo3.8515.001.742.435.990.75-142
New Car - 48 Mo3.9415.001.742.586.501.05-135
New Car - 60 Mo4.0515.001.852.687.501.25-137
New Car - 72 Mo4.0913.501.853.078.751.49-101
Used Car - 36 Mo4.3513.751.752.696.240.80-166
Used Car - 48 Mo4.4013.751.842.817.001.15-159
Used Car - 60 Mo4.2512.001.852.917.751.35-134
Used Car - 72 Mo4.129.751.853.318.151.50-81
New Boat - 60 Mo6.6914.001.955.0811.991.50-160
Rewards Credit Card12.6619.964.9910.0816.903.50-258
Credit Card Platinum11.3824.995.509.0518.245.15-233
Credit Card Classic12.5020.996.9911.2918.205.15-121
Home Equity - LOC4.788.512.504.088.001.99-71
Home Equity - 5 Yr4.8810.752.494.509.751.75-38
Home Equity - 10 Yr5.3410.752.995.039.002.75-31
Home Equity - 15 Yr5.589.093.005.399.252.90-19
15 Yr Fixed3.4269.0002.5003.4347.9002.7501
20 Yr Fixed3.8777.5502.5003.8985.9993.2502
30 Yr Fixed4.0357.0003.2504.0546.2503.4902
1 Yr ARM2.9236.3501.0102.8955.5001.500-3
3/1 ARM3.3137.0002.1253.0266.2501.750-29
5/1 ARM3.3668.5002.3753.2535.5002.250-11
7/1 ARM3.5428.2502.6253.5335.0002.500-1
New RV - 60 Mo6.8214.001.955.1111.991.50-171
Unsecured - 36 Mo10.2120.750.649.3518.002.99-86
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* Represents the difference in the average rate between banks and credit unions.