RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 197,433 financial institution locations in 19,504 markets across the United States as of 4/22/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.230.350.050.440.650.2021
6 Mo CD - $10k0.481.700.070.691.650.2521
1 Yr CD - $10k0.721.850.201.232.070.5051
18 Mo CD - $10k0.842.250.201.692.221.2585
2 Yr CD - $10k1.002.500.201.262.330.7025
30 Mo CD - $10k0.871.150.25    
3 Yr CD - $10k0.901.210.401.462.380.8056
4 Yr CD - $10k0.901.090.601.822.431.4192
5 Yr CD - $10k1.231.500.801.992.681.6677
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 - $100k1.701.701.700.851.650.45-85
1 Yr CD - $100k1.851.851.851.492.070.55-36
2 Yr CD - $100k2.502.502.501.362.330.70-114
3 Yr CD - $100k1.001.001.001.512.380.8051
Interest Checking - $5k0.090.200.010.130.200.054
Liquid IRA Account0.200.200.200.712.020.2551
Money Market - $2.5k0.230.400.050.140.200.05-9
Money Market - $10k0.280.400.150.170.250.10-11
Money Market - $25k0.360.500.200.461.400.1010
Money Market - $50k0.510.750.300.481.400.10-3
Money Market - $100k0.711.150.400.551.400.15-16
Money Market - $250k0.741.150.500.571.400.15-17
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 Card13.3019.999.9510.6511.248.99-265
Credit Card Platinum13.9019.999.9510.2010.409.90-371
Credit Card Classic15.5223.999.9511.4512.7410.15-407
Home Equity - LOC5.255.255.254.504.754.00-75
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 Fixed3.8644.1303.2504.4164.2543.92955
20 Yr Fixed4.0884.0003.5004.6484.4514.25056
30 Yr Fixed4.3804.5754.1254.7954.6494.50042
1 Yr ARM3.9564.8132.750 
3/1 ARM4.3194.2504.2504.5984.8463.87528
5/1 ARM4.6624.8094.3754.5564.6534.000-11
7/1 ARM4.7064.7724.5004.5584.5984.125-15
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.