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 - $10k0.161.950.010.381.600.0122
6 Mo CD - $10k0.262.000.010.611.950.0134
1 Yr CD - $10k0.502.500.010.972.300.0147
18 Mo CD - $10k0.592.500.011.142.400.0155
2 Yr CD - $10k0.762.650.011.262.550.0551
30 Mo CD - $10k0.642.850.011.402.750.0575
39 mo bump up Certificate   2.172.202.10 
3 Yr CD - $10k0.863.000.021.483.000.0563
4 Yr CD - $10k0.943.000.021.693.000.0575
5 Yr CD - $10k1.173.500.022.003.290.0583
1 Mo CD - $100k0.101.500.010.291.510.0219
2 Mo CD - $100k0.091.500.010.361.510.0227
3 Mo CD - $100k0.161.960.010.431.510.0128
3 Mo CD - $250k   0.390.800.10 
6 Mo CD - $100k0.252.140.010.701.770.0345
6 Mo CD - $250k   0.621.250.15 
1 Yr CD - $100k0.472.500.011.112.250.0564
1 Yr CD - $250k   0.921.500.45 
2 Yr CD - $100k0.722.730.031.412.650.1269
2 Yr CD - $250k   1.251.700.90 
3 Yr CD - $100k0.812.950.031.622.850.2081
3 Yr CD - $250k   1.521.970.85 
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.071.360.010.123.010.015
Liquid IRA Account0.193.290.010.413.150.0122
Money Market - $2.5k0.111.750.010.273.500.0116
Money Market - $10k0.152.000.010.311.750.0116
Money Market - $25k0.202.000.010.371.510.0118
Money Market - $50k0.232.000.010.421.710.0120
Money Market - $100k0.272.000.010.492.050.0122
Money Market - $250k0.292.050.010.512.050.0122
Youth / Young Adult Savings (Balance up to $1,000)   3.003.003.00 
Youth / Young Adult Savings (Balance above $1,000)   0.350.350.35 
Regular Savings - $1k0.081.750.010.161.550.018
New Car - 36 Mo4.2714.501.592.898.491.24-138
New Car - 48 Mo4.3411.251.943.048.491.45-130
New Car - 60 Mo4.4312.251.993.158.491.45-128
New Car - 72 Mo4.4713.252.243.518.751.49-96
Used Car - 36 Mo4.7514.501.943.158.491.24-160
Used Car - 48 Mo4.8013.751.943.278.491.49-153
Used Car - 60 Mo4.6812.251.993.388.491.49-130
Used Car - 72 Mo4.5513.252.243.758.741.49-81
New Boat - 60 Mo6.6314.502.655.2010.991.00-143
Rewards Credit Card13.8621.004.9910.8517.491.00-301
Credit Card Platinum12.6524.995.009.6515.401.00-300
Credit Card Classic13.2123.755.0011.5318.001.00-168
Home Equity - LOC5.749.313.504.868.001.00-89
Home Equity - 5 Yr5.4411.002.484.749.751.00-69
Home Equity - 10 Yr5.8211.002.995.218.501.00-61
Home Equity - 15 Yr6.129.143.255.578.591.00-55
15 Yr Fixed4.3237.2503.0004.3037.9001.000-2
10 Yr Fixed1.1111.0001.0004.4304.5543.597332
20 Yr Fixed4.5377.5501.0004.5776.0001.0004
30 Yr Fixed4.7327.5003.6254.7516.7501.0002
1 Yr ARM3.8156.5001.5003.4735.5001.000-34
3/1 ARM3.8297.0001.0003.6965.5001.000-13
5/1 ARM4.1217.7502.5003.9636.4501.000-16
7/1 ARM4.2526.5002.8254.2075.5001.000-5
New RV - 60 Mo6.7314.502.655.2311.501.00-149
Unsecured - 36 Mo9.9220.752.509.2718.003.75-65
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* Represents the difference in the average rate between banks and credit unions.