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 - $10k0.241.910.010.320.700.028
6 Mo CD - $10k0.351.910.010.521.300.0218
1 Yr CD - $10k0.632.300.010.902.250.0227
18 Mo CD - $10k0.872.500.051.072.350.0520
2 Yr CD - $10k1.032.750.051.252.350.0522
30 Mo CD - $10k1.032.850.051.303.000.1027
3 Yr CD - $10k1.093.150.051.472.400.1038
4 Yr CD - $10k1.303.050.101.772.700.1046
5 Yr CD - $10k1.593.100.252.013.290.1041
1 Mo CD - $100k0.181.000.010.030.030.03-15
2 Mo CD - $100k0.181.000.01    
3 Mo CD - $100k0.241.800.010.360.700.1012
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.331.910.010.651.400.1532
6 Mo CD - $250k   0.831.250.40 
1 Yr CD - $100k0.592.350.011.102.300.4051
1 Yr CD - $250k   1.001.550.45 
2 Yr CD - $100k0.912.650.051.502.400.6559
2 Yr CD - $250k   1.351.800.90 
3 Yr CD - $100k1.033.130.051.662.450.9063
3 Yr CD - $250k   1.702.101.30 
Interest Checking - $5k0.101.250.010.173.000.018
Liquid IRA Account0.282.010.010.392.020.0211
Money Market - $2.5k0.141.580.010.271.580.0213
Money Market - $10k0.212.000.010.321.580.0411
Money Market - $25k0.272.000.010.421.580.0516
Money Market - $50k0.302.000.010.501.580.0520
Money Market - $100k0.362.000.010.581.800.0523
Money Market - $250k0.382.000.010.601.850.0523
Regular Savings - $1k0.131.500.010.181.750.025
New Car - 36 Mo4.428.321.992.834.501.49-159
New Car - 48 Mo4.548.131.992.964.591.49-157
New Car - 60 Mo4.688.011.993.104.891.49-158
New Car - 72 Mo4.648.232.593.525.191.49-112
Used Car - 36 Mo4.959.381.993.044.751.49-191
Used Car - 48 Mo5.039.381.993.164.891.49-187
Used Car - 60 Mo5.0110.331.993.295.191.49-172
Used Car - 72 Mo4.517.002.993.735.891.49-78
New Boat - 60 Mo5.7910.592.754.729.251.90-107
Rewards Credit Card14.3317.495.0011.2115.747.90-312
Credit Card Platinum12.3216.905.0010.1113.747.49-221
Credit Card Classic12.2920.495.0012.1217.991.00-17
Home Equity - LOC5.458.534.254.917.003.50-54
Home Equity - 5 Yr5.458.903.754.947.742.99-51
Home Equity - 10 Yr5.857.253.255.527.743.49-33
Home Equity - 15 Yr6.208.253.256.007.743.49-20
15 Yr Fixed4.2515.5003.3004.2965.2503.1855
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.4745.7501.0004.5685.5003.6459
30 Yr Fixed4.6736.0003.8754.7395.7503.8557
1 Yr ARM4.0876.0002.6253.3784.3751.000-71
3/1 ARM3.8045.2501.0003.6414.8751.000-16
5/1 ARM4.1075.5003.0004.0335.3751.000-7
7/1 ARM4.2085.5003.2504.1995.5001.000-1
New RV - 60 Mo5.7710.592.754.709.251.90-107
Unsecured - 36 Mo9.7216.004.999.2113.495.24-51
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* Represents the difference in the average rate between banks and credit unions.