RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 209,922 financial institution locations in 19,522 markets across the United States as of 12/11/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.471.900.010.742.510.1027
6 Mo CD - $10k0.752.250.011.092.640.0434
1 Yr CD - $10k1.143.010.011.612.840.0847
18 Mo CD - $10k1.322.900.051.883.030.0556
2 Yr CD - $10k1.413.000.101.933.000.0552
30 Mo CD - $10k1.402.750.102.163.330.0576
3 Yr CD - $10k1.593.250.152.123.200.0553
4 Yr CD - $10k1.703.150.252.303.300.0560
5 Yr CD - $10k1.863.750.252.593.500.0573
1 Mo CD - $100k0.351.750.010.350.350.350
2 Mo CD - $100k0.351.750.010.350.350.350
3 Mo CD - $100k0.531.900.010.771.950.2024
6 Mo CD - $100k0.842.170.011.282.580.4044
1 Yr CD - $100k1.282.750.011.892.940.6061
2 Yr CD - $100k1.513.000.102.183.250.9067
3 Yr CD - $100k1.703.000.152.323.301.1062
Interest Checking - $5k0.151.250.010.120.650.01-3
Liquid IRA Account0.562.630.010.482.710.01-8
Money Market - $2.5k0.241.750.010.341.850.029
Money Market - $10k0.292.220.010.401.850.0211
Money Market - $25k0.352.220.010.472.000.0312
Money Market - $50k0.412.220.010.511.850.0510
Money Market - $100k0.522.220.010.571.850.055
Money Market - $250k0.602.220.010.592.000.050
Regular Savings - $1k0.211.900.010.222.020.011
New Car - 36 Mo4.9615.502.243.275.751.59-168
New Car - 48 Mo5.0211.752.243.436.501.79-158
New Car - 60 Mo5.1212.752.453.567.501.99-156
New Car - 72 Mo5.0813.752.493.888.752.19-120
Used Car - 36 Mo5.7415.502.243.516.751.59-222
Used Car - 48 Mo5.7813.752.243.657.001.79-213
Used Car - 60 Mo5.4312.752.743.767.751.99-168
Used Car - 72 Mo5.1713.753.044.086.291.74-109
New Boat - 60 Mo6.2015.502.745.5210.502.49-68
Rewards Credit Card15.6117.996.0011.4416.906.99-417
Credit Card Platinum12.3624.986.0010.0315.504.90-233
Credit Card Classic12.4520.997.6511.2017.005.25-125
Home Equity - LOC6.119.784.505.5210.994.00-59
Home Equity - 5 Yr5.7611.003.005.127.701.99-64
Home Equity - 10 Yr6.0311.003.755.497.753.50-54
Home Equity - 15 Yr6.167.994.005.748.003.50-42
15 Yr Fixed4.5945.9503.2504.5955.5002.9500
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.8245.7501.0004.9046.0003.5008
30 Yr Fixed5.0116.1253.8755.0706.7503.8016
1 Yr ARM4.1876.2503.5004.3595.3722.75017
3/1 ARM4.4837.5001.0003.9395.2752.250-54
5/1 ARM4.7218.2503.3754.3405.0042.625-38
7/1 ARM4.6016.5003.5004.5174.8763.000-8
New RV - 60 Mo6.2515.502.745.5211.502.25-73
Unsecured - 36 Mo9.3617.754.758.9913.305.24-37
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* Represents the difference in the average rate between banks and credit unions.