RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 204,373 financial institution locations in 19,516 markets across the United States as of 8/18/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.192.000.010.442.100.0125
6 Mo CD - $10k0.312.210.010.732.400.0142
1 Yr CD - $10k0.562.880.011.142.550.0158
18 Mo CD - $10k0.672.850.021.332.790.0166
2 Yr CD - $10k0.813.000.021.473.150.0566
30 Mo CD - $10k0.723.030.021.583.560.0586
39 mo bump up Certificate   2.432.552.20 
3 Yr CD - $10k0.913.250.021.693.150.0578
4 Yr CD - $10k1.033.560.021.883.250.0586
5 Yr CD - $10k1.253.550.022.193.500.0594
1 Mo CD - $100k0.111.750.010.331.510.0222
2 Mo CD - $100k0.111.750.010.431.510.0232
3 Mo CD - $100k0.182.000.010.501.600.0131
3 Mo CD - $250k   0.420.800.10 
6 Mo CD - $100k0.292.270.010.822.100.0353
6 Mo CD - $250k   0.691.250.30 
1 Yr CD - $100k0.532.650.011.292.550.0576
1 Yr CD - $250k   0.981.800.45 
2 Yr CD - $100k0.773.000.031.633.000.1286
2 Yr CD - $250k   1.362.200.90 
3 Yr CD - $100k0.853.130.031.843.250.2099
3 Yr CD - $250k   1.662.401.30 
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.081.710.010.133.010.015
Liquid IRA Account0.203.290.010.443.150.0124
Money Market - $2.5k0.122.000.010.313.000.0119
Money Market - $10k0.172.020.010.352.000.0118
Money Market - $25k0.232.250.010.422.000.0120
Money Market - $50k0.262.250.010.492.150.0123
Money Market - $100k0.312.250.010.572.200.0126
Money Market - $250k0.342.250.010.602.200.0126
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 - $1k0.091.920.010.172.020.018
New Car - 36 Mo4.3815.251.593.108.491.29-128
New Car - 48 Mo4.4511.751.943.268.491.45-119
New Car - 60 Mo4.5512.751.993.378.491.45-117
New Car - 72 Mo4.5913.752.243.728.751.49-87
Used Car - 36 Mo4.8315.251.943.368.491.49-147
Used Car - 48 Mo4.8813.751.943.498.491.49-139
Used Car - 60 Mo4.7812.751.993.608.491.49-118
Used Car - 72 Mo4.7113.752.243.968.741.49-75
New Boat - 60 Mo6.6715.252.655.3210.991.00-136
Rewards Credit Card14.6419.994.9911.1017.741.00-354
Credit Card Platinum13.6328.975.009.9315.991.00-370
Credit Card Classic13.1823.755.0011.6018.001.00-158
Home Equity - LOC5.999.813.955.0912.001.00-90
Home Equity - 5 Yr5.5511.002.484.8611.501.00-69
Home Equity - 10 Yr5.9311.002.995.3212.001.00-61
Home Equity - 15 Yr6.259.503.255.6812.501.00-57
15 Yr Fixed4.3478.7503.0004.3266.9001.000-2
10 Yr Fixed1.1101.0001.0004.2724.5543.730316
20 Yr Fixed4.5967.5501.0004.6176.2501.0002
30 Yr Fixed4.7437.5003.6254.7556.7501.0001
1 Yr ARM3.9816.5001.5003.6096.0001.000-37
3/1 ARM3.8847.2501.0003.8075.6251.000-8
5/1 ARM4.1758.0002.5003.9986.4501.000-18
7/1 ARM4.2936.5002.8254.2455.5001.000-5
New RV - 60 Mo6.7615.252.655.3511.501.00-141
Unsecured - 36 Mo9.9020.752.509.3018.003.75-60
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* Represents the difference in the average rate between banks and credit unions.