RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 197,433 financial institution locations in 19,504 markets across the United States as of 4/22/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.350.030.380.600.2522
6 Mo CD - $10k0.220.500.030.421.000.2520
1 Yr CD - $10k0.511.350.050.641.760.2513
18 Mo CD - $10k0.642.000.031.502.000.6086
2 Yr CD - $10k0.752.000.031.092.000.6533
30 Mo CD - $10k0.711.750.030.660.700.65-5
3 Yr CD - $10k0.902.150.031.082.300.7518
4 Yr CD - $10k1.071.900.101.272.401.0020
5 Yr CD - $10k1.332.200.031.662.501.2533
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 - $100k0.160.250.030.901.100.7074
1 Yr CD - $100k0.531.350.051.561.851.26103
2 Yr CD - $100k0.591.400.031.862.101.61127
3 Yr CD - $100k0.711.250.032.032.401.66132
Interest Checking - $5k0.100.750.010.140.350.055
Liquid IRA Account0.250.830.030.350.650.0510
Money Market - $2.5k0.070.100.010.200.600.0513
Money Market - $10k0.120.350.010.230.650.0511
Money Market - $25k0.140.350.010.270.700.1013
Money Market - $50k0.160.350.010.320.750.1515
Money Market - $100k0.180.400.010.380.850.2019
Money Market - $250k0.180.400.010.380.900.2020
Regular Savings - $1k0.070.300.010.130.250.055
New Car - 36 Mo4.718.242.893.395.452.59-131
New Car - 48 Mo4.878.242.893.455.452.99-142
New Car - 60 Mo5.248.242.893.455.452.99-178
New Car - 72 Mo5.085.754.003.815.453.24-127
Used Car - 36 Mo5.558.743.194.175.453.74-137
Used Car - 48 Mo5.969.753.194.215.453.74-175
Used Car - 60 Mo4.796.003.194.215.453.74-57
Used Car - 72 Mo5.505.505.505.525.595.452
New Boat - 60 Mo8.2511.005.007.979.755.25-27
Rewards Credit Card13.8915.2413.4913.5717.2410.24-32
Credit Card Platinum11.8413.4911.4910.7411.497.24-110
Credit Card Classic14.2414.2414.24    
Home Equity - LOC5.468.204.254.615.504.25-86
Home Equity - 5 Yr4.598.013.054.375.873.75-22
Home Equity - 10 Yr5.048.033.664.686.173.88-36
Home Equity - 15 Yr5.518.114.404.976.474.25-54
15 Yr Fixed4.1234.3733.5004.0944.1253.625-3
20 Yr Fixed4.4474.5394.1254.3814.2504.125-7
30 Yr Fixed4.6034.7094.2504.5114.5004.000-9
1 Yr ARM3.1893.7502.3752.9962.8752.875-19
3/1 ARM3.4504.2502.5003.2753.5002.125-18
5/1 ARM3.8134.8092.7503.4813.5002.875-33
7/1 ARM4.0614.7723.2503.7523.7503.625-31
New RV - 60 Mo8.9613.507.249.0210.506.506
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.