RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 202,906 financial institution locations in 19,513 markets across the United States as of 7/23/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.281.800.010.491.600.1021
6 Mo CD - $10k0.412.000.030.741.850.0133
1 Yr CD - $10k0.802.300.051.172.350.0437
18 Mo CD - $10k0.812.320.071.432.680.2061
2 Yr CD - $10k0.972.650.101.432.500.0546
30 Mo CD - $10k1.092.550.101.692.550.8061
3 Yr CD - $10k1.113.000.121.653.030.0554
4 Yr CD - $10k1.242.750.151.862.790.0562
5 Yr CD - $10k1.583.000.152.253.300.8566
1 Mo CD - $100k0.190.600.010.280.350.208
2 Mo CD - $100k0.230.700.010.350.350.3512
3 Mo CD - $100k0.291.800.010.521.600.1024
6 Mo CD - $100k0.421.910.030.901.850.1348
1 Yr CD - $100k0.802.300.051.452.350.2365
2 Yr CD - $100k0.972.650.101.762.500.4179
3 Yr CD - $100k1.153.000.121.912.600.6077
Interest Checking - $5k0.080.350.010.161.000.019
Liquid IRA Account0.180.550.020.542.270.0235
Money Market - $2.5k0.191.410.010.281.500.059
Money Market - $10k0.231.410.010.351.500.0112
Money Market - $25k0.311.760.030.441.500.0113
Money Market - $50k0.351.760.030.501.500.0215
Money Market - $100k0.411.910.030.591.500.0218
Money Market - $250k0.431.910.030.601.500.0217
Regular Savings - $1k0.181.500.010.211.700.013
New Car - 36 Mo4.136.542.242.804.741.49-133
New Car - 48 Mo4.236.632.302.995.241.99-125
New Car - 60 Mo4.296.752.493.125.741.99-117
New Car - 72 Mo4.296.302.993.536.241.99-77
Used Car - 36 Mo4.799.002.703.094.751.49-171
Used Car - 48 Mo4.849.002.753.255.241.99-159
Used Car - 60 Mo4.707.502.753.355.741.99-135
Used Car - 72 Mo4.736.383.243.715.891.99-102
New Boat - 60 Mo6.2710.993.805.249.002.25-102
Rewards Credit Card13.7316.999.5010.6815.746.74-306
Credit Card Platinum12.8724.989.249.4815.656.49-339
Credit Card Classic14.4419.509.9911.7316.906.49-270
Home Equity - LOC5.279.144.254.957.494.00-33
Home Equity - 5 Yr5.368.013.804.547.502.69-83
Home Equity - 10 Yr5.688.033.995.117.503.99-57
Home Equity - 15 Yr5.978.114.495.587.454.24-40
15 Yr Fixed4.3806.0003.1254.4004.7503.1162
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.4245.5221.0004.6665.0003.37524
30 Yr Fixed4.6335.8753.7504.7885.1253.76116
1 Yr ARM4.1315.0003.0003.8104.9852.625-32
3/1 ARM3.8785.5001.0003.7065.5002.250-17
5/1 ARM4.0605.5002.9903.9394.8753.000-12
7/1 ARM4.1495.5003.2504.1535.0003.4900
New RV - 60 Mo6.3310.993.805.429.502.25-90
Unsecured - 36 Mo10.1615.995.259.0712.505.24-110
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* Represents the difference in the average rate between banks and credit unions.