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 - $10k0.150.350.030.380.600.2523
6 Mo CD - $10k0.230.500.030.421.000.2519
1 Yr CD - $10k0.622.250.050.641.760.252
18 Mo CD - $10k0.702.000.031.612.250.6092
2 Yr CD - $10k0.782.000.031.112.000.6533
30 Mo CD - $10k0.982.850.030.660.700.65-31
3 Yr CD - $10k0.982.750.031.092.300.7511
4 Yr CD - $10k1.131.900.101.282.401.0015
5 Yr CD - $10k1.442.750.031.743.001.2530
1 Mo CD - $100k0.100.150.05    
2 Mo CD - $100k0.050.050.05    
3 Mo CD - $100k0.100.200.030.700.700.7060
6 Mo CD - $100k0.160.250.031.101.101.1094
1 Yr CD - $100k0.531.350.051.851.851.85132
2 Yr CD - $100k0.591.400.032.102.102.10151
3 Yr CD - $100k0.711.250.032.402.402.40169
Interest Checking - $5k0.100.750.010.140.350.054
Liquid IRA Account0.250.830.030.340.650.059
Money Market - $2.5k0.070.100.010.210.600.0513
Money Market - $10k0.120.350.010.240.650.0512
Money Market - $25k0.140.350.010.280.700.1014
Money Market - $50k0.160.350.010.330.750.1516
Money Market - $100k0.180.400.010.380.850.2020
Money Market - $250k0.180.400.010.390.900.2021
Regular Savings - $1k0.070.300.010.130.250.055
New Car - 36 Mo4.788.243.093.395.452.59-139
New Car - 48 Mo4.928.243.093.455.452.99-147
New Car - 60 Mo5.298.243.093.455.452.99-183
New Car - 72 Mo5.085.754.003.815.453.24-127
Used Car - 36 Mo5.608.743.394.175.453.74-142
Used Car - 48 Mo5.989.753.394.215.453.74-177
Used Car - 60 Mo4.836.003.394.215.453.74-61
Used Car - 72 Mo   5.525.595.45 
New Boat - 60 Mo7.9110.005.007.979.755.256
Rewards Credit Card13.9515.4913.4913.6617.4910.49-29
Credit Card Platinum11.8413.4911.4910.8211.497.49-102
Credit Card Classic14.2414.2414.24    
Home Equity - LOC5.547.954.494.615.504.25-93
Home Equity - 5 Yr4.638.013.184.375.873.75-26
Home Equity - 10 Yr5.078.033.784.686.173.88-39
Home Equity - 15 Yr5.538.114.404.976.474.25-56
15 Yr Fixed4.2514.3803.6254.2734.3753.7502
20 Yr Fixed4.5864.6504.1254.5654.6254.250-2
30 Yr Fixed4.7134.8754.2504.6944.8754.125-2
1 Yr ARM3.3574.0002.5003.1223.0003.000-23
3/1 ARM3.5764.2502.6253.4693.7502.125-11
5/1 ARM3.9364.7902.8753.5703.6252.875-37
7/1 ARM4.1854.7333.2503.8283.7503.625-36
New RV - 60 Mo8.6212.507.009.0210.506.5040
Unsecured - 36 Mo10.7615.916.2411.8715.007.99111
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* Represents the difference in the average rate between banks and credit unions.