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 - $10k0.080.080.080.600.600.6052
6 Mo CD - $10k0.130.130.131.431.851.00130
1 Yr CD - $10k0.250.250.252.182.352.00193
18 Mo CD - $10k   2.382.402.35 
2 Yr CD - $10k0.350.350.352.382.502.25203
3 Yr CD - $10k0.500.500.502.452.602.30195
4 Yr CD - $10k0.750.750.752.532.652.40178
5 Yr CD - $10k1.251.251.253.003.003.00175
1 Mo CD - $100k0.120.120.12    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.130.130.700.700.7057
6 Mo CD - $100k0.200.200.201.481.851.10128
1 Yr CD - $100k0.350.350.352.232.352.10188
2 Yr CD - $100k0.400.400.402.432.502.35203
3 Yr CD - $100k0.550.550.552.502.602.40195
Interest Checking - $5k0.050.050.050.280.350.2023
Liquid IRA Account0.030.030.031.452.250.65142
Money Market - $2.5k0.060.060.060.330.600.0527
Money Market - $10k0.090.090.090.380.650.1029
Money Market - $25k0.100.100.100.400.700.1030
Money Market - $50k0.100.100.100.430.750.1033
Money Market - $100k0.160.160.160.581.000.1542
Money Market - $250k0.160.160.160.631.100.1547
Regular Savings - $1k0.070.070.070.150.250.058
New Car - 36 Mo4.004.004.002.692.892.49-131
New Car - 48 Mo4.254.254.253.273.293.24-99
New Car - 60 Mo4.504.504.503.393.493.29-111
New Car - 72 Mo4.634.634.633.673.743.59-96
Used Car - 36 Mo4.004.004.004.044.593.494
Used Car - 48 Mo4.254.254.254.324.893.746
Used Car - 60 Mo4.384.384.384.444.893.996
Used Car - 72 Mo4.754.754.755.195.894.4944
New Boat - 60 Mo5.005.005.007.007.856.15200
Rewards Credit Card14.8717.7412.0010.8711.2410.49-401
Credit Card Platinum   8.8710.247.49 
Credit Card Classic16.0016.0016.0012.7412.7412.74-326
Home Equity - LOC   5.385.755.00 
Home Equity - 5 Yr4.254.254.255.485.875.09123
Home Equity - 10 Yr4.384.384.385.766.175.34138
Home Equity - 15 Yr4.504.504.506.036.475.59153
15 Yr Fixed4.3014.0773.875 
20 Yr Fixed4.5564.4394.439 
30 Yr Fixed4.6494.5134.375 
1 Yr ARM5.0734.9854.985 
3/1 ARM3.6514.8712.250 
5/1 ARM3.9534.6353.000 
7/1 ARM4.6524.5674.567 
New RV - 60 Mo5.005.005.007.027.896.15202
Unsecured - 36 Mo7.138.256.007.247.996.4912
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* Represents the difference in the average rate between banks and credit unions.