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 - $10k0.201.650.020.411.300.0122
6 Mo CD - $10k0.381.750.030.681.650.0530
1 Yr CD - $10k0.682.000.071.082.070.1040
18 Mo CD - $10k0.792.050.071.172.220.1537
2 Yr CD - $10k0.992.250.101.272.330.2028
30 Mo CD - $10k1.012.250.101.382.100.2037
3 Yr CD - $10k1.062.300.151.442.380.2537
4 Yr CD - $10k1.232.400.301.732.800.4549
5 Yr CD - $10k1.552.790.351.972.680.3542
1 Mo CD - $100k0.161.500.010.530.850.2037
2 Mo CD - $100k0.181.500.010.850.850.8567
3 Mo CD - $100k0.221.650.020.601.300.0138
6 Mo CD - $100k0.431.750.030.861.650.0843
1 Yr CD - $100k0.731.930.071.362.070.2363
2 Yr CD - $100k1.002.250.101.562.330.3556
3 Yr CD - $100k1.072.300.151.692.400.2562
Interest Checking - $5k0.070.250.010.223.010.0114
Liquid IRA Account0.252.150.020.431.510.0419
Money Market - $2.5k0.120.700.010.301.250.0118
Money Market - $10k0.150.700.030.331.250.0319
Money Market - $25k0.221.550.030.381.250.0416
Money Market - $50k0.251.550.030.431.250.0418
Money Market - $100k0.291.550.030.481.250.0418
Money Market - $250k0.311.620.030.491.250.0418
Regular Savings - $1k0.110.500.010.181.510.017
New Car - 36 Mo4.538.902.492.354.091.49-218
New Car - 48 Mo4.688.902.552.544.091.74-215
New Car - 60 Mo4.798.902.552.714.251.99-207
New Car - 72 Mo4.787.852.553.074.501.99-170
Used Car - 36 Mo5.159.902.492.634.291.49-252
Used Car - 48 Mo5.148.002.752.804.591.74-234
Used Car - 60 Mo5.048.033.002.964.591.99-208
Used Car - 72 Mo4.296.253.193.435.591.99-86
New Boat - 60 Mo6.7812.004.255.719.241.99-107
Rewards Credit Card13.2816.999.9910.2713.494.75-301
Credit Card Platinum12.0622.999.249.7815.407.24-228
Credit Card Classic11.5715.499.2511.2717.997.99-30
Home Equity - LOC5.108.644.004.475.503.25-63
Home Equity - 5 Yr5.408.013.994.456.502.25-95
Home Equity - 10 Yr5.818.034.355.107.253.25-71
Home Equity - 15 Yr5.918.114.745.607.254.49-31
15 Yr Fixed4.1095.2503.2504.0504.5002.908-6
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2624.5391.0004.4784.6253.37522
30 Yr Fixed4.5285.0003.8754.5944.8753.5347
1 Yr ARM3.4734.3751.5003.0484.5001.500-43
3/1 ARM3.7174.5001.0003.4804.3852.125-24
5/1 ARM3.9574.8753.1253.7464.2502.750-21
7/1 ARM4.1045.1253.2504.0164.3753.250-9
New RV - 60 Mo6.7712.004.255.619.501.99-116
Unsecured - 36 Mo11.2016.506.008.9912.995.74-222
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* Represents the difference in the average rate between banks and credit unions.