RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 202,906 financial institution locations in 19,513 markets across the United States as of 7/23/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.182.020.010.431.900.0124
6 Mo CD - $10k0.292.220.010.682.200.0139
1 Yr CD - $10k0.532.720.011.092.500.0155
18 Mo CD - $10k0.642.820.011.272.680.0162
2 Yr CD - $10k0.772.940.011.402.900.0563
30 Mo CD - $10k0.703.000.011.513.050.0582
39 mo bump up Certificate   2.202.202.20 
3 Yr CD - $10k0.893.250.021.623.150.0573
4 Yr CD - $10k0.993.560.021.823.250.0583
5 Yr CD - $10k1.223.550.022.143.500.0592
1 Mo CD - $100k0.111.750.010.321.510.0221
2 Mo CD - $100k0.101.650.010.411.510.0231
3 Mo CD - $100k0.171.960.010.481.600.0131
3 Mo CD - $250k   0.410.800.10 
6 Mo CD - $100k0.272.270.010.781.870.0350
6 Mo CD - $250k   0.661.250.30 
1 Yr CD - $100k0.512.650.011.242.500.0573
1 Yr CD - $250k   0.961.650.45 
2 Yr CD - $100k0.732.850.031.572.650.1283
2 Yr CD - $250k   1.312.100.90 
3 Yr CD - $100k0.853.130.031.773.150.2092
3 Yr CD - $250k   1.602.251.25 
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.081.710.010.123.010.015
Liquid IRA Account0.203.290.010.443.150.0124
Money Market - $2.5k0.112.000.010.303.500.0118
Money Market - $10k0.172.000.010.341.750.0118
Money Market - $25k0.222.250.010.411.750.0119
Money Market - $50k0.252.250.010.471.750.0122
Money Market - $100k0.302.250.010.551.860.0125
Money Market - $250k0.322.250.010.572.010.0125
Youth / Young Adult Savings (Balance up to $1,000)   4.004.004.00 
Youth / Young Adult Savings (Balance above $1,000)   0.350.350.35 
Regular Savings - $1k0.091.920.010.171.750.018
New Car - 36 Mo4.3614.501.593.058.491.29-131
New Car - 48 Mo4.4211.751.943.208.491.45-122
New Car - 60 Mo4.5212.751.993.318.491.45-121
New Car - 72 Mo4.5613.752.243.668.751.49-90
Used Car - 36 Mo4.8214.501.943.308.491.49-152
Used Car - 48 Mo4.8613.751.943.428.491.49-144
Used Car - 60 Mo4.7612.751.993.538.491.49-123
Used Car - 72 Mo4.6713.752.243.898.741.49-78
New Boat - 60 Mo6.6614.502.655.2910.991.00-137
Rewards Credit Card14.5321.004.9911.0517.491.00-349
Credit Card Platinum13.4924.995.009.8815.651.00-361
Credit Card Classic13.1523.755.0011.5918.001.00-156
Home Equity - LOC5.959.393.955.058.001.00-89
Home Equity - 5 Yr5.5311.002.484.829.751.00-71
Home Equity - 10 Yr5.9111.002.995.297.971.00-62
Home Equity - 15 Yr6.239.503.255.648.501.00-58
15 Yr Fixed4.3178.7503.0004.3106.9001.000-1
10 Yr Fixed1.1101.0001.0004.3494.5543.730324
20 Yr Fixed4.5547.5501.0004.5826.0001.0003
30 Yr Fixed4.7137.5003.6254.7366.7501.0002
1 Yr ARM3.8996.5001.5003.5655.5001.000-33
3/1 ARM3.8427.2501.0003.7705.6251.000-7
5/1 ARM4.1308.0002.5003.9796.4501.000-15
7/1 ARM4.2536.5002.8254.2205.5001.000-3
New RV - 60 Mo6.7514.502.655.3311.501.00-142
Unsecured - 36 Mo9.9120.752.509.2918.003.75-62
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* Represents the difference in the average rate between banks and credit unions.