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 - $10k0.080.080.080.850.850.8577
6 Mo CD - $10k0.130.130.131.952.401.50182
1 Yr CD - $10k0.250.250.252.532.802.25228
18 Mo CD - $10k   2.632.902.35 
2 Yr CD - $10k0.350.350.352.983.002.95263
3 Yr CD - $10k0.500.500.502.833.052.60233
4 Yr CD - $10k0.750.750.752.903.152.65215
5 Yr CD - $10k1.251.251.253.253.503.00200
1 Mo CD - $100k0.120.120.12    
3 Mo CD - $100k0.130.130.130.950.950.9582
6 Mo CD - $100k0.200.200.202.002.401.60180
1 Yr CD - $100k0.350.350.352.582.802.35223
2 Yr CD - $100k0.400.400.402.983.002.95258
3 Yr CD - $100k0.550.550.552.883.052.70233
Interest Checking - $5k0.050.050.050.280.350.2023
Liquid IRA Account0.130.130.131.782.710.85165
Money Market - $2.5k0.070.070.070.430.800.0536
Money Market - $10k0.110.110.110.480.850.1037
Money Market - $25k0.150.150.150.500.900.1035
Money Market - $50k0.150.150.150.530.950.1038
Money Market - $100k0.210.210.210.701.250.1549
Money Market - $250k0.210.210.210.751.350.1554
Regular Savings - $1k0.070.070.070.150.250.058
New Car - 36 Mo4.004.004.002.742.992.49-126
New Car - 48 Mo4.254.254.253.473.693.24-79
New Car - 60 Mo4.504.504.503.593.693.49-91
New Car - 72 Mo4.634.634.633.873.993.74-76
Used Car - 36 Mo4.004.004.004.244.993.4924
Used Car - 48 Mo4.254.254.254.525.293.7427
Used Car - 60 Mo4.384.384.384.645.293.9927
Used Car - 72 Mo4.754.754.755.396.294.4964
New Boat - 60 Mo5.005.005.007.208.256.15220
Rewards Credit Card15.0017.9912.0011.3711.7410.99-363
Credit Card Classic16.0016.0016.0012.7412.7412.74-326
Credit Card Platinum   9.9911.997.99 
Home Equity - LOC   5.505.755.25 
Home Equity - 5 Yr4.254.254.255.806.255.34155
Home Equity - 10 Yr4.384.384.385.886.175.59151
Home Equity - 15 Yr4.504.504.506.166.475.84166
15 Yr Fixed4.5174.3794.000 
20 Yr Fixed4.7494.6324.632 
30 Yr Fixed4.8814.8474.500 
1 Yr ARM5.4625.3725.372 
3/1 ARM3.9175.2752.375 
5/1 ARM4.2035.0043.125 
7/1 ARM4.9634.8764.876 
New RV - 60 Mo5.005.005.007.128.096.15212
Unsecured - 36 Mo7.138.256.007.348.196.4922
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* Represents the difference in the average rate between banks and credit unions.