RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 199,754 financial institution locations in 19,508 markets across the United States as of 5/26/2018.

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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 - $10k0.210.550.050.651.750.2544
1 Yr CD - $10k0.361.200.080.962.120.3560
18 Mo CD - $10k0.511.350.101.102.250.4559
2 Yr CD - $10k0.461.250.101.162.330.5071
30 Mo CD - $10k0.240.500.151.211.250.9596
3 Yr CD - $10k0.862.250.251.312.430.6045
4 Yr CD - $10k0.531.500.201.552.481.15102
5 Yr CD - $10k1.312.250.301.753.001.2543
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 - $100k0.230.700.050.801.750.2557
1 Yr CD - $100k0.190.300.101.052.120.4085
2 Yr CD - $100k0.280.400.151.312.330.85103
3 Yr CD - $100k0.731.400.301.492.431.0076
Interest Checking - $5k0.070.300.010.120.650.055
Liquid IRA Account0.140.300.020.682.070.1054
Money Market - $2.5k0.221.150.030.210.600.05-1
Money Market - $10k0.231.150.040.270.650.104
Money Market - $25k0.231.150.040.290.700.106
Money Market - $50k0.241.150.040.330.750.108
Money Market - $100k0.271.150.050.380.850.1512
Money Market - $250k0.281.150.050.400.900.1513
Regular Savings - $1k0.181.000.020.150.300.05-3
New Car - 36 Mo5.327.504.402.423.151.49-290
New Car - 48 Mo5.457.754.402.703.251.99-275
New Car - 60 Mo5.828.004.402.863.501.99-296
New Car - 72 Mo6.718.504.403.454.202.74-326
Used Car - 36 Mo5.918.754.402.824.291.79-309
Used Car - 48 Mo6.109.004.403.104.591.99-299
Used Car - 60 Mo6.789.254.403.274.592.39-351
Used Car - 72 Mo   3.925.592.75 
New Boat - 60 Mo5.355.994.406.239.904.0088
Rewards Credit Card14.7117.4911.499.8113.487.90-489
Credit Card Platinum11.4411.4911.248.9510.907.49-249
Credit Card Classic   12.5415.259.99 
Home Equity - LOC5.025.254.754.825.753.99-19
Home Equity - 5 Yr4.754.754.754.666.563.00-9
Home Equity - 10 Yr5.005.005.005.276.563.5027
Home Equity - 15 Yr5.255.255.255.076.563.50-18
15 Yr Fixed4.0594.3803.5004.1614.7503.52310
20 Yr Fixed4.2334.6493.7504.6034.7504.00037
30 Yr Fixed4.4054.6904.0004.7285.1254.23132
1 Yr ARM2.6282.5002.5004.0914.9853.500146
3/1 ARM3.4043.8752.6253.7904.8712.12539
5/1 ARM3.5684.7742.8753.8634.7732.87529
7/1 ARM3.8664.7333.1254.1114.8753.00025
New RV - 60 Mo6.018.004.405.647.893.99-37
Unsecured - 36 Mo6.869.254.996.069.953.99-80
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* Represents the difference in the average rate between banks and credit unions.