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 - $10k0.251.600.030.420.850.0517
6 Mo CD - $10k0.361.700.030.471.150.0512
1 Yr CD - $10k0.552.100.050.732.000.0518
18 Mo CD - $10k0.702.180.070.931.960.0522
2 Yr CD - $10k0.802.350.101.002.400.0520
30 Mo CD - $10k0.932.250.101.062.250.0513
3 Yr CD - $10k1.032.600.101.262.300.0523
4 Yr CD - $10k1.202.650.151.442.250.0524
5 Yr CD - $10k1.463.030.201.742.500.0529
1 Mo CD - $100k0.150.750.01    
2 Mo CD - $100k0.090.300.01    
3 Mo CD - $100k0.271.600.030.530.850.1526
3 Mo CD - $250k   0.800.800.80 
6 Mo CD - $100k0.361.700.030.591.150.1523
6 Mo CD - $250k   1.151.151.15 
1 Yr CD - $100k0.552.100.050.922.000.3037
1 Yr CD - $250k   1.501.501.50 
2 Yr CD - $100k0.792.350.101.162.270.4537
2 Yr CD - $250k   1.601.601.60 
3 Yr CD - $100k1.012.600.101.492.300.6048
3 Yr CD - $250k   1.901.901.90 
Interest Checking - $5k0.090.750.010.111.000.012
Liquid IRA Account0.432.170.020.431.500.05-1
Money Market - $2.5k0.141.310.010.210.800.026
Money Market - $10k0.191.310.010.250.950.036
Money Market - $25k0.251.600.010.331.400.048
Money Market - $50k0.301.600.010.391.400.0410
Money Market - $100k0.371.600.010.451.400.068
Money Market - $250k0.401.600.010.471.400.086
Regular Savings - $1k0.110.800.010.141.000.023
New Car - 36 Mo4.588.052.392.945.991.89-165
New Car - 48 Mo4.668.052.493.156.491.89-151
New Car - 60 Mo4.758.052.593.276.991.99-148
New Car - 72 Mo4.777.752.903.597.492.00-119
Used Car - 36 Mo4.938.652.493.085.992.35-185
Used Car - 48 Mo5.008.652.893.306.492.35-171
Used Car - 60 Mo4.918.652.903.436.992.35-147
Used Car - 72 Mo4.897.203.343.757.492.75-114
New Boat - 60 Mo5.5510.603.254.286.992.95-127
Rewards Credit Card13.2917.499.0011.4514.907.90-185
Credit Card Platinum11.4416.659.2410.1511.497.00-129
Credit Card Classic13.7817.889.9911.4515.747.74-233
Home Equity - LOC5.178.194.004.725.753.25-45
Home Equity - 5 Yr5.377.343.244.276.003.49-110
Home Equity - 10 Yr5.487.244.244.936.493.62-55
Home Equity - 15 Yr5.686.894.255.417.993.62-27
15 Yr Fixed3.9954.3733.2504.1164.4743.18512
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2544.7501.0004.3464.6253.6459
30 Yr Fixed4.4714.7503.8754.5424.7503.8557
1 Yr ARM3.9804.6253.0003.6104.3752.875-37
3/1 ARM3.6864.9001.0003.7274.1253.1254
5/1 ARM4.0545.7502.8754.0004.6253.107-5
7/1 ARM4.1005.1003.1254.2914.6253.50019
New RV - 60 Mo5.5710.603.254.236.752.95-134
Unsecured - 36 Mo8.7718.003.409.7014.505.9993
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* Represents the difference in the average rate between banks and credit unions.