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 - $10k0.110.350.010.500.500.5039
6 Mo CD - $10k0.220.700.010.501.000.1528
1 Yr CD - $10k0.752.300.031.172.020.4542
18 Mo CD - $10k0.822.350.031.162.020.4534
2 Yr CD - $10k1.012.450.031.262.020.6525
30 Mo CD - $10k0.842.450.031.151.950.6531
3 Yr CD - $10k1.182.550.031.662.430.9048
4 Yr CD - $10k1.212.650.031.612.501.0440
5 Yr CD - $10k1.453.000.032.332.941.6587
1 Mo CD - $100k0.060.100.03    
2 Mo CD - $100k0.060.100.03    
3 Mo CD - $100k0.110.350.020.550.600.5044
6 Mo CD - $100k0.220.700.030.571.000.3535
1 Yr CD - $100k0.802.250.030.961.750.5516
2 Yr CD - $100k0.842.450.031.232.000.7539
3 Yr CD - $100k1.232.550.031.522.201.1030
Interest Checking - $5k0.050.250.010.080.200.053
Liquid IRA Account0.140.650.030.501.410.1036
Money Market - $2.5k0.161.600.010.431.110.1027
Money Market - $10k0.201.600.010.471.410.1027
Money Market - $25k0.221.600.010.511.410.1529
Money Market - $50k0.241.600.010.571.510.2033
Money Market - $100k0.271.650.010.641.610.3037
Money Market - $250k0.281.650.010.661.610.3038
Regular Savings - $1k0.281.800.010.140.250.04-14
New Car - 36 Mo4.204.843.493.204.252.00-100
New Car - 48 Mo4.245.003.493.404.252.74-85
New Car - 60 Mo4.285.003.643.524.252.74-76
New Car - 72 Mo4.575.254.033.804.992.99-76
Used Car - 36 Mo4.825.503.843.504.752.00-132
Used Car - 48 Mo4.845.503.843.704.752.99-114
Used Car - 60 Mo4.705.493.843.834.752.99-87
Used Car - 72 Mo5.195.994.394.284.993.24-91
New Boat - 60 Mo7.9010.604.256.327.994.49-158
Rewards Credit Card14.2915.7411.4910.6813.749.90-361
Credit Card Platinum15.2824.9810.4910.0411.749.15-524
Credit Card Classic14.2416.0011.7410.5013.908.90-374
Home Equity - LOC6.619.145.004.915.254.00-171
Home Equity - 5 Yr5.818.013.495.056.003.95-76
Home Equity - 10 Yr6.068.033.995.466.254.49-60
Home Equity - 15 Yr6.788.315.256.047.004.84-75
15 Yr Fixed4.3614.5003.5004.2604.3753.500-10
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.3004.6251.0004.5384.6253.75024
30 Yr Fixed4.7465.0004.2504.6844.7504.000-6
1 Yr ARM4.1314.0004.0002.8132.7502.750-132
3/1 ARM3.7495.5001.0004.2324.8463.50048
5/1 ARM4.2574.7913.3754.3564.6534.00010
7/1 ARM4.4064.7503.5004.6104.5984.37520
New RV - 60 Mo8.1910.744.256.197.994.49-200
Unsecured - 36 Mo10.0816.506.999.6714.008.25-42
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* Represents the difference in the average rate between banks and credit unions.