RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 209,922 financial institution locations in 19,522 markets across the United States as of 12/11/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.242.350.010.563.000.0232
6 Mo CD - $10k0.412.500.010.913.090.0150
1 Yr CD - $10k0.743.010.011.392.890.0165
18 Mo CD - $10k0.873.030.021.603.050.0173
2 Yr CD - $10k0.993.250.021.733.250.0574
30 Mo CD - $10k0.923.480.021.913.350.0599
39 mo bump up Certificate   2.552.552.55 
3 Yr CD - $10k1.113.400.021.953.510.0584
4 Yr CD - $10k1.193.560.022.153.820.0096
5 Yr CD - $10k1.424.000.022.434.060.00101
1 Mo CD - $100k0.142.110.010.401.510.0225
2 Mo CD - $100k0.132.180.010.471.510.0234
3 Mo CD - $100k0.232.420.010.612.000.0238
3 Mo CD - $250k   0.681.000.25 
6 Mo CD - $100k0.402.630.011.023.000.0362
6 Mo CD - $250k   0.931.350.45 
1 Yr CD - $100k0.742.950.011.552.940.0882
1 Yr CD - $250k   1.341.950.55 
2 Yr CD - $100k0.993.190.031.913.250.1592
2 Yr CD - $250k   1.732.451.10 
3 Yr CD - $100k1.083.250.032.113.510.20103
3 Yr CD - $250k   2.112.701.36 
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.092.000.010.133.010.014
Liquid IRA Account0.233.290.010.493.300.0126
Money Market - $2.5k0.152.250.010.373.500.0122
Money Market - $10k0.232.270.010.432.150.0120
Money Market - $25k0.292.310.010.512.150.0122
Money Market - $50k0.342.310.010.592.300.0125
Money Market - $100k0.402.400.010.692.300.0129
Money Market - $250k0.432.450.010.732.530.0130
Youth / Young Adult Savings (Balance up to $1,000)   4.004.004.00 
Youth / Young Adult Savings (Balance above $1,000)   0.350.350.35 
Regular Savings - $1k0.114.000.010.182.020.017
New Car - 36 Mo4.4815.501.993.348.491.29-114
New Car - 48 Mo4.5511.751.993.518.491.49-104
New Car - 60 Mo4.6512.751.993.628.491.49-103
New Car - 72 Mo4.7113.752.243.978.751.49-74
Used Car - 36 Mo4.9415.501.943.628.491.49-132
Used Car - 48 Mo4.9913.751.943.758.491.49-124
Used Car - 60 Mo4.9112.751.993.868.491.50-105
Used Car - 72 Mo4.8313.752.244.228.741.59-62
New Boat - 60 Mo6.7515.502.745.4910.991.00-125
Rewards Credit Card15.0220.494.9911.3218.001.00-369
Credit Card Platinum13.6826.995.0010.1020.901.00-358
Credit Card Classic13.4124.995.0011.6218.001.00-179
Home Equity - LOC6.2210.283.635.3312.001.00-89
Home Equity - 5 Yr5.6811.002.485.0211.501.00-66
Home Equity - 10 Yr6.0511.002.995.4512.001.00-61
Home Equity - 15 Yr6.359.503.755.8212.501.00-52
15 Yr Fixed4.5648.7502.9774.5597.7501.0000
10 Yr Fixed1.1101.0001.0004.5814.8043.856347
20 Yr Fixed4.8307.5501.0004.8716.5001.0004
30 Yr Fixed4.9977.6103.4325.0237.0001.0003
1 Yr ARM4.1906.5001.5003.8286.5001.000-36
3/1 ARM4.24310.0001.0004.0176.2501.000-23
5/1 ARM4.3628.2502.5004.1906.4501.000-17
7/1 ARM4.4586.6502.7504.3985.6251.000-6
New RV - 60 Mo6.8415.502.495.5011.501.00-134
Unsecured - 36 Mo9.9018.962.509.3518.003.99-55
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* Represents the difference in the average rate between banks and credit unions.