RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.421.900.010.651.730.1023
6 Mo CD - $10k0.632.150.010.932.220.0430
1 Yr CD - $10k1.022.880.011.422.530.0840
18 Mo CD - $10k1.162.850.051.612.790.0545
2 Yr CD - $10k1.273.000.101.713.040.0544
30 Mo CD - $10k1.282.750.101.923.330.0564
3 Yr CD - $10k1.453.000.101.893.040.0543
4 Yr CD - $10k1.563.050.152.113.150.0555
5 Yr CD - $10k1.733.500.152.413.350.0568
1 Mo CD - $100k0.301.750.010.350.350.355
2 Mo CD - $100k0.271.750.010.350.350.358
3 Mo CD - $100k0.451.750.010.701.700.2025
6 Mo CD - $100k0.722.270.011.112.100.4039
1 Yr CD - $100k1.142.600.011.702.500.6055
2 Yr CD - $100k1.382.800.102.012.850.9063
3 Yr CD - $100k1.552.800.102.133.101.1058
Interest Checking - $5k0.131.250.010.120.650.01-1
Liquid IRA Account0.522.120.010.482.350.01-4
Money Market - $2.5k0.211.750.010.311.600.0210
Money Market - $10k0.252.020.010.351.600.0210
Money Market - $25k0.302.020.010.411.600.0311
Money Market - $50k0.362.020.010.451.600.0310
Money Market - $100k0.462.020.010.511.600.035
Money Market - $250k0.502.020.010.531.600.033
Regular Savings - $1k0.171.710.010.222.020.014
New Car - 36 Mo4.9015.252.243.105.751.59-180
New Car - 48 Mo4.9611.752.243.256.501.79-171
New Car - 60 Mo5.0412.752.453.387.501.90-167
New Car - 72 Mo5.0213.752.493.718.752.19-131
Used Car - 36 Mo5.6915.252.243.326.751.59-237
Used Car - 48 Mo5.7313.752.243.457.001.79-228
Used Car - 60 Mo5.4112.752.743.567.751.99-185
Used Car - 72 Mo5.1313.753.043.875.891.74-126
New Boat - 60 Mo6.1915.252.745.3310.502.25-86
Rewards Credit Card15.4717.746.0011.3317.745.49-413
Credit Card Platinum12.0224.986.009.9015.504.90-213
Credit Card Classic12.2220.747.6511.0516.905.00-117
Home Equity - LOC5.939.284.505.186.254.00-74
Home Equity - 5 Yr5.7211.003.005.007.501.99-72
Home Equity - 10 Yr5.9811.003.755.377.553.50-61
Home Equity - 15 Yr6.077.754.005.628.003.50-45
15 Yr Fixed4.3945.7503.2504.4435.5002.9505
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.5655.8751.0004.7266.0003.50016
30 Yr Fixed4.7666.2503.8754.8696.7503.80110
1 Yr ARM4.1756.0002.6253.9435.1222.750-23
3/1 ARM4.2337.2501.0003.7165.2502.250-52
5/1 ARM4.4158.0002.8754.2554.8502.625-16
7/1 ARM4.2306.5003.2504.4585.0003.00023
New RV - 60 Mo6.2415.252.745.3311.502.25-90
Unsecured - 36 Mo9.3717.754.758.9613.305.24-41
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* Represents the difference in the average rate between banks and credit unions.