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 - $10k0.271.800.020.511.600.0123
6 Mo CD - $10k0.482.000.030.831.850.0534
1 Yr CD - $10k0.962.300.071.362.350.1040
18 Mo CD - $10k1.072.430.071.342.400.1527
2 Yr CD - $10k1.242.500.101.582.500.2034
30 Mo CD - $10k1.312.550.101.642.550.2034
3 Yr CD - $10k1.352.600.151.753.000.2540
4 Yr CD - $10k1.482.670.301.993.000.4550
5 Yr CD - $10k1.803.050.352.283.290.3548
1 Mo CD - $100k0.261.650.010.631.050.2037
2 Mo CD - $100k0.281.650.011.051.051.0577
3 Mo CD - $100k0.341.800.020.671.600.0133
6 Mo CD - $100k0.582.000.030.951.850.0836
1 Yr CD - $100k1.022.300.071.642.350.2362
2 Yr CD - $100k1.192.500.101.732.500.3554
3 Yr CD - $100k1.422.600.151.852.600.2543
Interest Checking - $5k0.080.250.010.223.010.0115
Liquid IRA Account0.262.410.020.451.510.0420
Money Market - $2.5k0.141.000.010.351.500.0121
Money Market - $10k0.181.000.030.381.500.0321
Money Market - $25k0.261.760.030.441.500.0418
Money Market - $50k0.281.760.030.491.550.0420
Money Market - $100k0.331.760.030.541.550.0421
Money Market - $250k0.351.760.030.561.550.0421
Regular Savings - $1k0.121.050.010.191.510.016
New Car - 36 Mo4.458.902.492.594.491.49-186
New Car - 48 Mo4.618.902.552.814.491.74-179
New Car - 60 Mo4.688.902.552.994.491.99-169
New Car - 72 Mo4.797.852.553.324.691.99-147
Used Car - 36 Mo5.069.902.492.854.591.49-221
Used Car - 48 Mo4.949.752.743.014.891.74-193
Used Car - 60 Mo4.858.032.843.194.891.99-166
Used Car - 72 Mo4.596.253.253.645.891.99-96
New Boat - 60 Mo6.9412.004.255.869.242.25-108
Rewards Credit Card13.7916.999.9910.5513.745.00-324
Credit Card Platinum12.6024.989.7410.0415.657.49-255
Credit Card Classic11.4215.749.5011.5717.997.9915
Home Equity - LOC5.359.144.254.746.003.25-61
Home Equity - 5 Yr5.298.013.994.486.002.25-80
Home Equity - 10 Yr5.658.034.405.156.503.25-50
Home Equity - 15 Yr6.028.114.745.677.254.74-35
15 Yr Fixed4.2355.1253.3754.2424.6252.9081
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.3944.7501.0004.6384.6253.37524
30 Yr Fixed4.6395.7503.8754.7415.0003.53410
1 Yr ARM3.5284.3751.5003.4824.2502.250-5
3/1 ARM3.7575.5001.0003.8425.5002.2509
5/1 ARM4.0444.8753.1253.9664.8752.750-8
7/1 ARM4.1795.1253.2504.2875.0403.25011
New RV - 60 Mo6.9512.004.255.759.502.25-120
Unsecured - 36 Mo10.9916.506.008.9513.245.40-204
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* Represents the difference in the average rate between banks and credit unions.