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 - $10k0.160.600.020.330.600.1017
6 Mo CD - $10k0.260.750.030.531.650.1027
1 Yr CD - $10k0.431.800.070.862.070.2544
18 Mo CD - $10k0.461.000.071.152.220.5068
2 Yr CD - $10k0.641.250.101.242.330.3561
30 Mo CD - $10k0.591.350.101.241.850.6565
3 Yr CD - $10k0.741.560.251.422.380.5067
4 Yr CD - $10k0.881.610.301.582.430.7570
5 Yr CD - $10k1.112.010.351.923.001.0081
1 Mo CD - $100k0.110.500.03    
2 Mo CD - $100k0.130.500.03    
3 Mo CD - $100k0.150.600.030.470.700.3032
6 Mo CD - $100k0.250.750.030.711.650.3046
1 Yr CD - $100k0.461.800.071.132.070.5567
2 Yr CD - $100k0.681.300.101.482.330.6580
3 Yr CD - $100k0.771.560.251.632.400.8586
Interest Checking - $5k0.060.500.010.110.350.015
Liquid IRA Account0.220.650.030.330.650.0511
Money Market - $2.5k0.080.300.020.180.600.0510
Money Market - $10k0.110.450.040.230.650.0512
Money Market - $25k0.150.750.050.290.700.0514
Money Market - $50k0.160.750.050.340.750.0517
Money Market - $100k0.200.750.010.400.850.1521
Money Market - $250k0.210.750.010.420.900.1521
Regular Savings - $1k0.090.260.010.140.350.015
New Car - 36 Mo4.648.992.302.714.251.95-193
New Car - 48 Mo4.758.992.302.914.252.24-184
New Car - 60 Mo4.808.992.453.044.252.49-175
New Car - 72 Mo4.727.002.553.244.252.74-148
Used Car - 36 Mo5.319.252.892.884.291.95-242
Used Car - 48 Mo5.409.253.143.124.592.24-228
Used Car - 60 Mo4.717.503.143.284.592.70-144
Used Car - 72 Mo4.314.883.393.535.592.74-78
New Boat - 60 Mo6.3210.583.995.708.004.25-62
Rewards Credit Card13.3417.496.009.7413.496.90-361
Credit Card Platinum12.0016.659.249.6911.967.24-231
Credit Card Classic10.6614.247.6511.1715.996.4951
Home Equity - LOC5.818.944.505.166.024.25-65
Home Equity - 5 Yr5.435.884.755.286.504.49-14
Home Equity - 10 Yr6.248.664.755.776.884.75-47
Home Equity - 15 Yr6.518.874.755.887.004.75-63
15 Yr Fixed4.0044.3733.3754.2924.9103.62529
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.1634.6251.0004.6064.7504.12544
30 Yr Fixed4.4814.8754.0004.7674.8754.25029
1 Yr ARM3.5933.7503.125 
3/1 ARM3.0403.8751.0003.5874.0002.12555
5/1 ARM3.9294.8023.0003.9064.0002.875-2
7/1 ARM4.0694.7653.1254.2704.2503.75020
New RV - 60 Mo6.4510.583.995.608.004.10-85
Unsecured - 36 Mo10.6615.995.839.3711.906.49-129
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* Represents the difference in the average rate between banks and credit unions.