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 - $10k0.342.100.010.661.950.1032
6 Mo CD - $10k0.552.250.030.952.400.0640
1 Yr CD - $10k0.972.750.051.472.800.0550
18 Mo CD - $10k0.992.550.071.712.900.2673
2 Yr CD - $10k1.293.000.101.733.000.0544
30 Mo CD - $10k1.242.950.102.143.000.9290
3 Yr CD - $10k1.293.100.151.953.050.0566
4 Yr CD - $10k1.393.200.302.193.150.0580
5 Yr CD - $10k1.783.250.252.553.510.8577
1 Mo CD - $100k0.251.000.010.280.350.202
2 Mo CD - $100k0.301.000.010.350.350.355
3 Mo CD - $100k0.352.100.010.701.950.1035
6 Mo CD - $100k0.562.250.031.132.400.1358
1 Yr CD - $100k1.032.510.051.772.800.2373
2 Yr CD - $100k1.323.000.102.063.000.4173
3 Yr CD - $100k1.373.100.152.243.050.6087
Interest Checking - $5k0.090.350.010.150.650.017
Liquid IRA Account0.241.840.020.572.710.0533
Money Market - $2.5k0.272.070.010.351.850.058
Money Market - $10k0.342.070.010.431.850.058
Money Market - $25k0.452.310.020.561.850.0511
Money Market - $50k0.552.310.020.641.850.059
Money Market - $100k0.642.310.020.772.100.0512
Money Market - $250k0.672.380.020.822.100.0515
Regular Savings - $1k0.201.900.010.201.970.020
New Car - 36 Mo4.256.302.243.084.991.59-117
New Car - 48 Mo4.366.502.303.285.491.99-108
New Car - 60 Mo4.406.752.493.425.991.99-98
New Car - 72 Mo4.496.922.993.836.492.49-66
Used Car - 36 Mo4.899.002.703.425.001.59-147
Used Car - 48 Mo4.999.002.753.605.491.99-139
Used Car - 60 Mo4.837.122.753.705.991.99-113
Used Car - 72 Mo5.027.873.504.076.292.59-95
New Boat - 60 Mo6.2910.993.805.3510.752.25-94
Rewards Credit Card14.2020.499.9910.9015.996.95-330
Credit Card Platinum13.4126.999.499.6515.906.99-376
Credit Card Classic14.8020.499.9911.7117.006.99-309
Home Equity - LOC5.589.394.755.277.494.25-31
Home Equity - 5 Yr5.438.313.804.718.003.00-72
Home Equity - 10 Yr5.728.033.995.228.003.85-51
Home Equity - 15 Yr6.078.114.495.647.803.85-43
15 Yr Fixed4.6396.1253.1254.6335.0003.116-1
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.7585.7841.0004.9745.5003.37522
30 Yr Fixed4.9316.1254.0005.1085.6253.76118
1 Yr ARM4.1415.2503.0003.9795.3722.625-16
3/1 ARM4.1295.5001.0003.9305.5002.375-20
5/1 ARM4.3635.1252.9904.0965.0043.125-27
7/1 ARM4.4975.7503.2504.3175.0003.490-18
New RV - 60 Mo6.4010.993.805.4910.752.25-90
Unsecured - 36 Mo10.1315.995.258.9713.155.24-116
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* Represents the difference in the average rate between banks and credit unions.