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 - $10k0.210.660.030.510.850.3029
6 Mo CD - $10k0.391.250.050.942.400.2555
1 Yr CD - $10k0.771.700.081.292.800.3553
18 Mo CD - $10k0.862.350.101.362.900.4550
2 Yr CD - $10k0.922.000.101.513.000.6059
30 Mo CD - $10k0.612.000.151.351.501.1074
3 Yr CD - $10k1.142.450.151.653.050.8051
4 Yr CD - $10k0.682.250.251.913.151.30122
5 Yr CD - $10k1.272.450.302.063.501.2579
1 Mo CD - $100k0.060.120.05    
2 Mo CD - $100k0.050.050.050.400.400.4035
3 Mo CD - $100k0.170.660.050.750.950.5558
6 Mo CD - $100k0.250.900.071.072.400.5082
1 Yr CD - $100k0.611.700.151.332.800.6572
2 Yr CD - $100k0.832.000.201.603.001.1077
3 Yr CD - $100k0.902.130.301.743.051.2584
Interest Checking - $5k0.070.300.010.120.650.054
Liquid IRA Account0.140.300.020.782.710.1065
Money Market - $2.5k0.351.200.030.250.800.05-10
Money Market - $10k0.361.350.040.350.850.100
Money Market - $25k0.361.350.040.380.900.102
Money Market - $50k0.482.000.040.400.950.10-8
Money Market - $100k0.512.000.050.491.250.15-2
Money Market - $250k0.532.000.050.521.350.15-1
Regular Savings - $1k0.100.250.020.150.300.056
New Car - 36 Mo5.668.504.652.463.591.49-321
New Car - 48 Mo5.798.754.652.753.691.99-304
New Car - 60 Mo6.169.004.752.883.692.24-328
New Car - 72 Mo7.169.504.753.464.202.74-370
Used Car - 36 Mo6.069.004.752.894.991.75-317
Used Car - 48 Mo6.249.254.753.165.291.75-308
Used Car - 60 Mo6.989.504.753.315.292.25-366
Used Car - 72 Mo   4.006.292.75 
New Boat - 60 Mo5.556.244.756.269.904.0071
Rewards Credit Card16.7418.0015.9910.1213.987.90-662
Credit Card Platinum13.6613.9911.999.5511.997.75-411
Credit Card Classic   12.5615.259.99 
Home Equity - LOC5.846.845.255.166.254.25-67
Home Equity - 5 Yr5.255.255.254.786.563.00-47
Home Equity - 10 Yr5.505.505.506.086.565.5958
Home Equity - 15 Yr5.755.755.756.186.565.8443
15 Yr Fixed4.2644.2503.7504.3724.8753.52311
20 Yr Fixed4.4374.5364.1254.7295.0003.62529
30 Yr Fixed4.7505.0004.2754.8905.3754.23114
1 Yr ARM2.8152.8752.5004.3625.3723.625155
3/1 ARM3.5283.7503.0004.0675.2752.37554
5/1 ARM3.7054.9973.0004.1195.0043.12541
7/1 ARM4.0034.9133.2504.3534.8763.50035
New RV - 60 Mo6.168.004.755.738.094.00-43
Unsecured - 36 Mo6.869.254.996.129.953.99-73
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* Represents the difference in the average rate between banks and credit unions.