RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 199,754 financial institution locations in 19,508 markets across the United States as of 5/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.230.350.050.460.700.2024
6 Mo CD - $10k0.501.850.070.731.750.2522
1 Yr CD - $10k0.752.100.201.092.120.5034
18 Mo CD - $10k0.772.250.201.762.221.2599
2 Yr CD - $10k0.962.500.201.272.330.7031
30 Mo CD - $10k0.871.150.25    
3 Yr CD - $10k1.112.700.401.502.430.8039
4 Yr CD - $10k0.901.090.601.862.481.4196
5 Yr CD - $10k1.231.500.802.022.741.6679
1 Mo CD - $100k0.150.150.15    
2 Mo CD - $100k0.200.200.20    
3 Mo CD - $100k0.300.300.300.300.300.300
6 Mo CD - $100k1.851.851.850.881.750.45-97
1 Yr CD - $100k2.102.102.101.142.120.55-96
2 Yr CD - $100k2.502.502.501.362.330.70-114
3 Yr CD - $100k2.702.702.701.532.430.80-117
Interest Checking - $5k0.090.200.010.130.200.054
Liquid IRA Account0.200.200.200.742.070.2554
Money Market - $2.5k0.230.400.050.140.200.05-9
Money Market - $10k0.280.400.150.190.350.10-9
Money Market - $25k0.360.500.200.481.400.1012
Money Market - $50k0.430.500.300.501.400.107
Money Market - $100k0.791.450.400.571.400.15-22
Money Market - $250k0.811.450.500.591.400.15-22
Regular Savings - $1k0.140.250.040.130.350.05-2
New Car - 36 Mo5.567.494.252.403.301.49-315
New Car - 48 Mo5.607.494.502.583.301.89-301
New Car - 60 Mo5.647.494.752.933.302.24-271
New Car - 72 Mo5.887.494.953.674.203.09-221
Used Car - 36 Mo6.707.945.252.983.741.49-371
Used Car - 48 Mo6.997.946.253.113.991.89-387
Used Car - 60 Mo6.997.946.253.464.242.89-352
Used Car - 72 Mo6.867.946.254.234.743.59-263
New Boat - 60 Mo5.857.494.955.536.894.09-32
Rewards Credit Card13.3019.999.9511.1012.908.99-220
Credit Card Platinum13.9019.999.9510.1610.2410.00-374
Credit Card Classic12.2315.499.9511.4512.7410.15-79
Home Equity - LOC5.255.255.254.635.004.25-63
Home Equity - 5 Yr   4.595.094.20 
Home Equity - 10 Yr   5.195.345.00 
Home Equity - 15 Yr   5.535.745.25 
15 Yr Fixed4.0104.0613.6254.5504.3284.00054
20 Yr Fixed4.2184.1254.0004.7824.6914.25056
30 Yr Fixed4.4714.6904.1254.8844.7654.50041
1 Yr ARM4.0434.9852.750 
3/1 ARM4.1934.1254.1254.7164.8714.00052
5/1 ARM4.5824.7744.2504.6614.7734.1258
7/1 ARM4.6244.7334.3754.7174.7474.1259
New RV - 60 Mo5.807.494.955.126.154.09-68
Unsecured - 36 Mo8.038.756.997.299.753.75-74
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* Represents the difference in the average rate between banks and credit unions.