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 - $10k0.151.770.010.361.550.0121
6 Mo CD - $10k0.242.450.010.571.950.0132
1 Yr CD - $10k0.462.250.010.902.250.0144
18 Mo CD - $10k0.522.400.011.062.530.0154
2 Yr CD - $10k0.692.600.011.182.550.0549
30 Mo CD - $10k0.612.710.011.322.600.0571
39 mo bump up Certificate   2.102.102.10 
3 Yr CD - $10k0.803.000.011.413.000.0561
4 Yr CD - $10k0.902.940.011.623.000.0572
5 Yr CD - $10k1.133.030.011.923.200.0579
1 Mo CD - $100k0.091.500.010.281.260.0219
2 Mo CD - $100k0.091.500.010.351.260.0226
3 Mo CD - $100k0.151.770.010.401.300.0126
3 Mo CD - $250k   0.390.800.10 
6 Mo CD - $100k0.231.950.010.652.270.0342
6 Mo CD - $250k   0.601.250.15 
1 Yr CD - $100k0.442.150.011.032.120.0559
1 Yr CD - $250k   0.881.500.45 
2 Yr CD - $100k0.662.600.031.322.500.1065
2 Yr CD - $250k   1.221.700.90 
3 Yr CD - $100k0.752.800.031.542.690.2579
3 Yr CD - $250k   1.501.970.85 
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 Account0.193.290.010.403.150.0122
Money Market - $2.5k0.101.750.010.252.800.0115
Money Market - $10k0.142.000.010.291.700.0115
Money Market - $25k0.182.000.010.351.500.0117
Money Market - $50k0.212.000.010.411.710.0119
Money Market - $100k0.252.000.010.461.860.0121
Money Market - $250k0.272.000.010.492.010.0122
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 - $1k0.081.700.010.161.550.018
New Car - 36 Mo4.1914.501.592.828.491.24-137
New Car - 48 Mo4.2711.251.942.968.491.45-131
New Car - 60 Mo4.3712.251.993.078.491.45-129
New Car - 72 Mo4.4013.252.243.448.751.49-96
Used Car - 36 Mo4.6714.501.943.088.491.24-159
Used Car - 48 Mo4.7313.751.943.208.491.49-153
Used Car - 60 Mo4.6012.251.993.308.491.49-130
Used Car - 72 Mo4.5213.252.243.688.741.49-84
New Boat - 60 Mo6.5914.501.365.1911.151.00-141
Rewards Credit Card13.8021.004.9910.7917.241.00-301
Credit Card Platinum12.6324.995.009.6015.401.00-303
Credit Card Classic13.2323.995.0011.4518.001.00-178
Home Equity - LOC5.719.563.504.758.001.00-95
Home Equity - 5 Yr5.3911.002.484.719.751.00-68
Home Equity - 10 Yr5.7911.002.995.188.501.00-61
Home Equity - 15 Yr6.089.143.255.538.501.00-55
15 Yr Fixed4.1927.2502.8754.1447.9001.000-5
10 Yr Fixed1.1111.0001.0004.2794.3023.597317
20 Yr Fixed4.4097.5501.0004.4326.2501.0002
30 Yr Fixed4.5887.5003.5004.6046.7501.0002
1 Yr ARM3.7666.5001.5003.3925.5001.000-37
3/1 ARM3.7426.7501.0003.6115.1251.000-13
5/1 ARM4.0137.5002.3903.8226.7501.000-19
7/1 ARM4.1176.5002.6254.0435.5001.000-7
New RV - 60 Mo6.6914.502.655.2111.501.00-148
Unsecured - 36 Mo9.9320.752.509.2618.003.45-67
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* Represents the difference in the average rate between banks and credit unions.