RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.202.180.010.472.100.0127
6 Mo CD - $10k0.332.400.010.772.400.0144
1 Yr CD - $10k0.582.880.011.223.000.0163
18 Mo CD - $10k0.702.850.021.412.860.0170
2 Yr CD - $10k0.853.000.021.553.050.0571
30 Mo CD - $10k0.763.100.021.703.330.0594
39 mo bump up Certificate   2.432.552.20 
3 Yr CD - $10k0.943.500.021.763.250.0582
4 Yr CD - $10k1.053.560.021.953.400.0090
5 Yr CD - $10k1.283.540.022.263.660.0098
1 Mo CD - $100k0.121.750.010.381.510.0226
2 Mo CD - $100k0.111.750.010.431.510.0232
3 Mo CD - $100k0.192.180.010.531.750.0134
3 Mo CD - $250k   0.440.800.10 
6 Mo CD - $100k0.312.270.010.862.100.0356
6 Mo CD - $250k   0.701.250.30 
1 Yr CD - $100k0.562.750.011.362.650.0581
1 Yr CD - $250k   1.001.800.45 
2 Yr CD - $100k0.823.040.031.733.000.1291
2 Yr CD - $250k   1.382.200.90 
3 Yr CD - $100k0.883.500.031.913.350.20103
3 Yr CD - $250k   1.692.401.30 
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.081.710.010.133.010.015
Liquid IRA Account0.213.290.010.453.150.0125
Money Market - $2.5k0.132.050.010.323.500.0119
Money Market - $10k0.192.050.010.372.100.0118
Money Market - $25k0.242.310.010.442.100.0120
Money Market - $50k0.282.310.010.512.150.0123
Money Market - $100k0.332.310.010.602.200.0127
Money Market - $250k0.362.310.010.632.200.0127
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 - $1k0.091.920.010.172.020.018
New Car - 36 Mo4.3915.250.743.178.491.29-122
New Car - 48 Mo4.4611.751.943.338.491.45-112
New Car - 60 Mo4.5612.751.993.458.491.45-111
New Car - 72 Mo4.6113.752.243.808.751.49-81
Used Car - 36 Mo4.8515.251.943.448.491.49-141
Used Car - 48 Mo4.9013.751.943.578.491.49-133
Used Car - 60 Mo4.8012.751.993.678.491.49-113
Used Car - 72 Mo4.7313.752.244.048.741.49-69
New Boat - 60 Mo6.6915.252.655.3510.991.00-134
Rewards Credit Card14.6519.994.9911.1317.741.00-351
Credit Card Platinum13.6624.985.009.9315.991.00-373
Credit Card Classic13.1723.755.0011.6218.001.00-155
Home Equity - LOC6.0210.563.955.1112.001.00-91
Home Equity - 5 Yr5.5411.002.484.8811.501.00-66
Home Equity - 10 Yr5.9311.002.995.3412.001.00-59
Home Equity - 15 Yr6.229.503.255.7012.501.00-53
15 Yr Fixed4.3988.7503.0004.3727.9001.000-3
10 Yr Fixed1.1101.0001.0004.5154.6793.856341
20 Yr Fixed4.6417.1251.0004.6826.2501.0004
30 Yr Fixed4.7997.5003.6254.8196.7501.0002
1 Yr ARM4.0626.5001.5003.6266.5001.000-44
3/1 ARM4.0867.2501.0003.8415.7501.000-24
5/1 ARM4.2278.0002.5004.0326.4501.000-19
7/1 ARM4.3346.5002.7504.2725.5001.000-6
New RV - 60 Mo6.7915.252.655.3811.501.00-141
Unsecured - 36 Mo9.9220.752.509.3318.003.75-58
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* Represents the difference in the average rate between banks and credit unions.