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 - $10k0.291.410.010.280.550.15-1
6 Mo CD - $10k0.471.720.010.501.360.152
1 Yr CD - $10k0.731.910.050.972.250.3024
18 Mo CD - $10k0.802.120.051.082.400.5028
2 Yr CD - $10k0.952.260.101.332.550.4038
30 Mo CD - $10k1.012.250.101.222.600.6521
3 Yr CD - $10k1.172.320.151.372.000.6020
4 Yr CD - $10k1.342.470.301.693.000.6535
5 Yr CD - $10k1.632.750.351.803.000.8518
1 Mo CD - $100k0.110.500.010.220.250.1510
2 Mo CD - $100k0.090.200.010.250.250.2516
3 Mo CD - $100k0.291.300.010.290.500.151
6 Mo CD - $100k0.461.720.010.480.900.153
1 Yr CD - $100k0.681.810.050.811.350.4012
2 Yr CD - $100k0.912.250.101.222.100.5031
3 Yr CD - $100k1.152.200.151.372.000.7022
Interest Checking - $5k0.110.660.010.140.400.033
Liquid IRA Account0.733.290.010.502.500.05-24
Money Market - $2.5k0.161.310.010.231.160.056
Money Market - $10k0.211.410.010.341.410.1013
Money Market - $25k0.251.410.010.471.410.1422
Money Market - $50k0.301.410.010.551.710.1425
Money Market - $100k0.371.500.010.651.860.1428
Money Market - $250k0.411.550.010.712.010.1430
Regular Savings - $1k0.140.660.010.161.000.032
New Car - 36 Mo4.307.752.243.045.001.79-127
New Car - 48 Mo4.388.252.243.125.001.89-126
New Car - 60 Mo4.478.502.243.355.251.99-113
New Car - 72 Mo4.486.752.243.765.752.19-71
Used Car - 36 Mo4.558.252.243.316.001.99-124
Used Car - 48 Mo4.648.502.243.436.241.99-122
Used Car - 60 Mo4.688.752.243.676.742.09-100
Used Car - 72 Mo4.456.752.243.785.752.19-67
New Boat - 60 Mo5.7310.602.994.967.492.99-77
Rewards Credit Card12.8317.496.2410.7913.258.80-204
Credit Card Platinum11.1916.656.759.5311.246.99-165
Credit Card Classic13.7020.2410.5011.2416.999.00-246
Home Equity - LOC5.047.604.004.525.503.50-52
Home Equity - 5 Yr5.056.753.244.075.992.99-98
Home Equity - 10 Yr5.377.253.844.776.242.99-60
Home Equity - 15 Yr5.998.254.005.527.992.99-47
15 Yr Fixed4.0274.5003.2503.8964.2503.185-13
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2444.7501.0004.2604.3753.6452
30 Yr Fixed4.4864.8753.8754.4144.6253.855-7
1 Yr ARM3.4665.0002.3753.3953.6253.125-7
3/1 ARM3.9764.9001.0003.7044.2502.875-27
5/1 ARM4.0585.4002.8753.8255.3753.107-23
7/1 ARM3.9835.5003.0004.0485.5003.1257
New RV - 60 Mo5.9314.502.994.838.502.99-110
Unsecured - 36 Mo10.4318.004.999.7714.006.99-66
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* Represents the difference in the average rate between banks and credit unions.