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 - $10k0.271.050.010.451.390.0518
6 Mo CD - $10k0.451.350.010.681.760.0423
1 Yr CD - $10k0.722.170.011.042.070.0832
18 Mo CD - $10k0.851.900.051.202.220.0535
2 Yr CD - $10k0.962.350.051.282.330.0532
30 Mo CD - $10k0.952.670.051.542.250.0559
3 Yr CD - $10k1.112.600.051.522.710.0541
4 Yr CD - $10k1.252.750.101.732.500.0548
5 Yr CD - $10k1.423.000.152.022.900.0561
1 Mo CD - $100k0.190.900.010.170.350.05-2
2 Mo CD - $100k0.180.900.010.350.350.3517
3 Mo CD - $100k0.291.050.010.501.300.0521
6 Mo CD - $100k0.481.300.010.821.650.0534
1 Yr CD - $100k0.762.000.011.242.070.1048
2 Yr CD - $100k1.002.350.051.482.330.2548
3 Yr CD - $100k1.132.600.051.682.400.5055
Interest Checking - $5k0.111.250.010.120.650.011
Liquid IRA Account0.482.120.010.462.020.01-2
Money Market - $2.5k0.160.900.010.261.250.0210
Money Market - $10k0.191.260.010.301.300.0210
Money Market - $25k0.241.550.010.351.400.0311
Money Market - $50k0.291.550.010.391.400.0310
Money Market - $100k0.371.550.010.431.400.036
Money Market - $250k0.411.550.010.441.400.033
Regular Savings - $1k0.151.050.010.201.550.015
New Car - 36 Mo4.7214.501.992.775.751.49-196
New Car - 48 Mo4.7811.252.242.886.501.49-190
New Car - 60 Mo4.8812.252.453.007.501.49-188
New Car - 72 Mo4.8613.252.493.398.751.49-147
Used Car - 36 Mo5.4914.501.992.996.001.49-251
Used Car - 48 Mo5.5413.752.243.097.001.49-245
Used Car - 60 Mo5.3012.252.653.207.751.49-210
Used Car - 72 Mo4.9313.252.653.595.992.15-134
New Boat - 60 Mo6.0514.502.745.1110.501.98-95
Rewards Credit Card14.7417.246.0010.8516.995.49-389
Credit Card Platinum11.5722.997.659.4714.754.90-210
Credit Card Classic12.1420.657.6510.8516.904.50-129
Home Equity - LOC5.739.064.244.886.004.00-85
Home Equity - 5 Yr5.5111.003.004.857.301.99-66
Home Equity - 10 Yr5.8211.003.755.228.023.50-60
Home Equity - 15 Yr5.887.754.005.518.263.50-38
15 Yr Fixed4.1276.0003.1254.1235.5002.8750
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.3196.2501.0004.4316.0003.50011
30 Yr Fixed4.5266.2503.8754.6346.7503.80111
1 Yr ARM4.0435.5002.6253.8254.9272.750-22
3/1 ARM4.0096.7501.0003.8304.7692.125-18
5/1 ARM4.2327.5002.8753.9114.6222.625-32
7/1 ARM4.0556.5003.1254.1374.5543.0008
New RV - 60 Mo6.1114.502.745.0911.501.98-102
Unsecured - 36 Mo9.2917.754.758.7613.303.45-54
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* Represents the difference in the average rate between banks and credit unions.