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 - $10k0.130.450.030.380.750.2026
6 Mo CD - $10k0.291.250.050.731.850.2544
1 Yr CD - $10k0.401.500.081.062.350.3566
18 Mo CD - $10k0.511.350.101.162.400.4565
2 Yr CD - $10k0.652.300.101.242.500.6059
30 Mo CD - $10k0.240.500.151.311.500.95106
3 Yr CD - $10k0.942.250.251.392.600.8044
4 Yr CD - $10k0.541.500.201.662.651.15112
5 Yr CD - $10k1.322.250.301.783.001.2546
1 Mo CD - $100k0.060.120.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.060.130.030.580.700.4552
6 Mo CD - $100k0.230.700.050.811.850.2558
1 Yr CD - $100k0.200.350.101.092.350.4089
2 Yr CD - $100k0.290.400.151.342.500.85105
3 Yr CD - $100k0.731.400.301.502.601.0076
Interest Checking - $5k0.070.300.010.120.650.055
Liquid IRA Account0.140.300.020.712.250.1057
Money Market - $2.5k0.251.150.030.220.600.05-3
Money Market - $10k0.261.250.040.290.650.103
Money Market - $25k0.271.250.040.310.700.104
Money Market - $50k0.291.350.040.340.750.105
Money Market - $100k0.331.400.050.411.000.159
Money Market - $250k0.351.400.050.431.100.158
Regular Savings - $1k0.191.000.020.150.300.05-4
New Car - 36 Mo5.327.504.402.453.151.49-287
New Car - 48 Mo5.457.754.402.743.291.99-271
New Car - 60 Mo5.828.004.402.893.502.24-293
New Car - 72 Mo6.718.504.403.414.202.74-330
Used Car - 36 Mo5.918.754.402.834.591.79-308
Used Car - 48 Mo6.109.004.403.114.891.99-299
Used Car - 60 Mo6.789.254.403.274.892.39-350
Used Car - 72 Mo   3.935.892.75 
New Boat - 60 Mo5.355.994.406.209.904.0085
Rewards Credit Card15.9317.7411.499.9313.737.90-600
Credit Card Platinum13.2913.7411.499.0411.157.49-425
Credit Card Classic   12.5615.259.99 
Home Equity - LOC5.466.595.004.996.004.25-47
Home Equity - 5 Yr4.754.754.754.666.563.00-9
Home Equity - 10 Yr5.005.005.005.496.564.2549
Home Equity - 15 Yr5.255.255.255.136.564.25-12
15 Yr Fixed4.0894.3753.3754.2054.7503.50012
20 Yr Fixed4.3004.6253.7504.5355.0003.50023
30 Yr Fixed4.5185.0004.0004.7395.1254.23122
1 Yr ARM2.6282.5002.5004.1424.9853.500151
3/1 ARM3.4283.7502.7503.8474.8712.25042
5/1 ARM3.5654.7532.8753.9424.6352.87538
7/1 ARM3.8634.7193.1254.1704.7503.00031
New RV - 60 Mo6.018.004.405.547.893.49-47
Unsecured - 36 Mo6.869.254.996.049.953.99-81
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* Represents the difference in the average rate between banks and credit unions.