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 - $10k0.372.020.010.571.620.1021
6 Mo CD - $10k0.572.220.010.822.170.0425
1 Yr CD - $10k0.902.720.011.262.500.0836
18 Mo CD - $10k1.092.820.051.482.500.0539
2 Yr CD - $10k1.162.920.051.562.780.0539
30 Mo CD - $10k1.182.850.051.783.000.0561
3 Yr CD - $10k1.342.920.051.763.000.0542
4 Yr CD - $10k1.462.990.101.973.250.0551
5 Yr CD - $10k1.623.500.152.303.500.0567
1 Mo CD - $100k0.240.950.010.200.350.05-4
2 Mo CD - $100k0.220.900.010.350.350.3513
3 Mo CD - $100k0.391.650.010.601.600.0521
6 Mo CD - $100k0.652.270.010.961.850.2531
1 Yr CD - $100k1.002.650.011.502.350.4550
2 Yr CD - $100k1.232.650.051.802.650.6057
3 Yr CD - $100k1.442.800.051.932.600.8049
Interest Checking - $5k0.121.250.010.120.650.010
Liquid IRA Account0.512.120.010.492.250.01-2
Money Market - $2.5k0.181.230.010.301.500.0212
Money Market - $10k0.221.310.010.341.500.0211
Money Market - $25k0.271.550.010.401.500.0312
Money Market - $50k0.332.020.010.431.500.0310
Money Market - $100k0.422.020.010.491.500.036
Money Market - $250k0.472.020.010.501.500.034
Regular Savings - $1k0.171.500.010.211.700.014
New Car - 36 Mo4.8514.502.243.025.751.49-183
New Car - 48 Mo4.8911.752.243.156.501.49-175
New Car - 60 Mo4.9912.752.453.277.501.49-173
New Car - 72 Mo4.9713.752.493.638.751.49-133
Used Car - 36 Mo5.6214.502.243.246.001.49-238
Used Car - 48 Mo5.6513.752.243.357.001.49-230
Used Car - 60 Mo5.3712.752.743.447.751.49-192
Used Car - 72 Mo5.0913.753.043.795.892.15-130
New Boat - 60 Mo6.1114.502.745.2310.501.99-88
Rewards Credit Card15.1917.496.0011.2516.995.49-394
Credit Card Platinum11.8724.987.909.8515.504.90-202
Credit Card Classic12.2020.907.6510.9616.905.00-124
Home Equity - LOC5.909.064.505.166.254.00-73
Home Equity - 5 Yr5.6011.003.005.007.361.99-60
Home Equity - 10 Yr5.9411.003.755.347.403.50-61
Home Equity - 15 Yr6.027.754.005.588.003.50-44
15 Yr Fixed4.3196.0003.3754.3705.5002.9505
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.4586.2501.0004.6056.0003.50015
30 Yr Fixed4.6686.2503.8754.7946.7503.80113
1 Yr ARM4.1286.0002.6254.1064.9853.125-2
3/1 ARM4.0847.2501.0003.6865.1252.250-40
5/1 ARM4.3398.0002.8754.1734.6352.625-17
7/1 ARM4.1416.5003.2504.3804.7503.00024
New RV - 60 Mo6.1814.502.745.2411.501.99-94
Unsecured - 36 Mo9.2517.754.758.8813.305.24-37
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* Represents the difference in the average rate between banks and credit unions.