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 - $10k0.120.450.030.370.750.2025
6 Mo CD - $10k0.210.550.050.631.650.2542
1 Yr CD - $10k0.341.000.080.932.070.3559
18 Mo CD - $10k0.511.350.101.092.220.4058
2 Yr CD - $10k0.461.250.101.152.330.5070
30 Mo CD - $10k0.240.500.151.211.250.9596
3 Yr CD - $10k0.842.100.251.282.380.6045
4 Yr CD - $10k0.531.500.201.542.431.15100
5 Yr CD - $10k1.312.250.301.722.681.2541
1 Mo CD - $100k0.050.100.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.050.100.030.530.700.3547
6 Mo CD - $100k0.230.700.050.781.650.2555
1 Yr CD - $100k0.190.300.101.042.070.4085
2 Yr CD - $100k0.280.400.151.312.330.85103
3 Yr CD - $100k0.731.400.301.492.401.0075
Interest Checking - $5k0.070.300.010.120.650.055
Liquid IRA Account0.140.300.020.672.020.1053
Money Market - $2.5k0.221.150.030.190.600.05-3
Money Market - $10k0.231.150.040.250.650.102
Money Market - $25k0.231.150.040.270.700.104
Money Market - $50k0.241.150.040.320.750.108
Money Market - $100k0.271.150.050.380.850.1512
Money Market - $250k0.281.150.050.400.900.1512
Regular Savings - $1k0.181.000.020.150.300.05-3
New Car - 36 Mo5.327.504.402.483.151.49-285
New Car - 48 Mo5.457.754.402.743.251.99-271
New Car - 60 Mo5.828.004.402.903.502.24-292
New Car - 72 Mo6.718.504.403.484.202.74-323
Used Car - 36 Mo5.918.754.402.844.291.79-307
Used Car - 48 Mo6.109.004.403.124.591.99-298
Used Car - 60 Mo6.789.254.403.284.592.39-350
Used Car - 72 Mo   3.945.592.75 
New Boat - 60 Mo5.355.994.406.239.904.0088
Rewards Credit Card14.4017.4911.249.7213.487.90-468
Credit Card Platinum11.4411.4911.248.9310.907.24-251
Credit Card Classic   12.3515.259.74 
Home Equity - LOC4.965.254.504.745.503.99-21
Home Equity - 5 Yr4.754.754.754.936.563.0018
Home Equity - 10 Yr5.005.005.005.576.563.5057
Home Equity - 15 Yr5.255.255.255.246.563.50-1
15 Yr Fixed3.9904.3733.3753.9374.1253.250-5
20 Yr Fixed4.2004.5393.7504.3304.6253.62513
30 Yr Fixed4.3364.5754.0004.5624.7504.12523
1 Yr ARM2.6282.5002.5004.0064.8133.500138
3/1 ARM3.3783.8752.6253.7244.6452.12535
5/1 ARM3.4844.8092.8753.7434.4992.87526
7/1 ARM3.8194.7723.1253.8894.4313.0007
New RV - 60 Mo6.018.004.405.647.893.99-37
Unsecured - 36 Mo6.909.255.246.039.953.99-87
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* Represents the difference in the average rate between banks and credit unions.