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 - $10k0.110.350.010.430.500.3532
6 Mo CD - $10k0.200.700.010.410.750.2520
1 Yr CD - $10k0.562.100.050.971.790.5541
18 Mo CD - $10k0.662.150.031.041.660.5538
2 Yr CD - $10k0.812.400.031.152.000.6534
30 Mo CD - $10k0.792.250.031.151.850.7536
3 Yr CD - $10k1.012.350.031.512.151.0050
4 Yr CD - $10k1.112.400.101.512.101.1541
5 Yr CD - $10k1.352.750.032.082.651.6674
1 Mo CD - $100k0.060.100.03    
2 Mo CD - $100k0.060.100.03    
3 Mo CD - $100k0.110.350.020.480.500.4536
6 Mo CD - $100k0.220.700.030.490.750.2526
1 Yr CD - $100k0.632.100.050.821.500.5518
2 Yr CD - $100k0.742.200.031.152.000.7541
3 Yr CD - $100k1.062.350.031.452.151.0038
Interest Checking - $5k0.050.250.010.090.200.053
Liquid IRA Account0.140.650.030.371.110.1023
Money Market - $2.5k0.141.350.010.310.800.1017
Money Market - $10k0.181.350.010.361.110.1018
Money Market - $25k0.211.350.010.391.110.1518
Money Market - $50k0.231.350.010.431.210.2020
Money Market - $100k0.261.400.010.501.310.3024
Money Market - $250k0.271.400.010.531.310.3026
Regular Savings - $1k0.201.500.010.140.250.04-5
New Car - 36 Mo4.014.752.892.854.002.00-116
New Car - 48 Mo4.065.002.893.004.002.49-106
New Car - 60 Mo4.135.002.893.074.002.69-105
New Car - 72 Mo4.355.253.493.284.002.69-107
Used Car - 36 Mo4.685.503.193.054.502.00-162
Used Car - 48 Mo4.705.503.193.204.502.49-149
Used Car - 60 Mo4.485.493.193.284.502.69-120
Used Car - 72 Mo4.524.744.143.504.502.69-102
New Boat - 60 Mo7.3510.604.256.197.994.49-116
Rewards Credit Card13.7815.2411.2410.5013.499.50-329
Credit Card Platinum14.5322.9910.2410.0111.499.15-452
Credit Card Classic14.1116.0011.4910.2313.908.90-388
Home Equity - LOC6.198.644.254.444.994.00-175
Home Equity - 5 Yr5.358.013.494.636.003.95-72
Home Equity - 10 Yr5.888.033.994.985.554.24-90
Home Equity - 15 Yr6.728.115.255.457.004.59-128
15 Yr Fixed4.3074.3733.5004.0814.2543.250-23
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2364.5391.0004.3774.5003.62514
30 Yr Fixed4.7075.0004.1254.5414.6494.000-17
1 Yr ARM4.0044.0003.7503.5214.1602.750-48
3/1 ARM3.7594.5001.0004.0654.8463.00031
5/1 ARM4.2104.8093.3754.2064.6533.6250
7/1 ARM4.3834.7723.5004.4014.5983.8752
New RV - 60 Mo7.7610.744.255.897.994.49-187
Unsecured - 36 Mo9.9916.505.499.6814.008.25-31
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* Represents the difference in the average rate between banks and credit unions.