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 - $10k0.442.010.030.621.110.0519
6 Mo CD - $10k0.632.210.030.731.700.0510
1 Yr CD - $10k0.932.510.051.192.800.0526
18 Mo CD - $10k1.172.650.071.362.650.0519
2 Yr CD - $10k1.212.600.101.513.200.0530
30 Mo CD - $10k1.293.000.101.613.110.0532
3 Yr CD - $10k1.443.000.101.863.350.0542
4 Yr CD - $10k1.573.000.152.103.250.0552
5 Yr CD - $10k1.833.500.352.384.000.0556
1 Mo CD - $100k0.251.160.03    
2 Mo CD - $100k0.140.350.03    
3 Mo CD - $100k0.451.900.030.801.110.1534
3 Mo CD - $250k   0.800.800.80 
6 Mo CD - $100k0.592.010.030.871.300.2028
6 Mo CD - $250k   1.301.301.30 
1 Yr CD - $100k0.852.510.051.472.800.3561
1 Yr CD - $250k   1.651.651.65 
2 Yr CD - $100k1.122.600.101.753.000.5063
2 Yr CD - $250k   1.801.801.80 
3 Yr CD - $100k1.343.000.102.063.200.6572
3 Yr CD - $250k   2.602.602.60 
Interest Checking - $5k0.131.000.010.120.750.01-1
Liquid IRA Account0.582.830.030.521.760.05-7
Money Market - $2.5k0.211.510.010.280.800.027
Money Market - $10k0.292.000.010.350.950.036
Money Market - $25k0.372.010.010.481.750.0411
Money Market - $50k0.442.010.010.592.250.0416
Money Market - $100k0.562.020.010.682.250.0612
Money Market - $250k0.602.270.010.702.250.0810
Regular Savings - $1k0.161.900.010.161.250.020
New Car - 36 Mo4.788.052.753.234.991.99-155
New Car - 48 Mo4.878.053.093.454.992.25-141
New Car - 60 Mo4.988.053.193.584.992.25-139
New Car - 72 Mo5.128.253.693.915.242.25-121
Used Car - 36 Mo5.068.652.903.415.742.45-165
Used Car - 48 Mo5.158.653.243.636.242.70-152
Used Car - 60 Mo5.128.653.393.786.742.75-134
Used Car - 72 Mo5.198.253.794.096.492.99-110
New Boat - 60 Mo5.6510.603.254.557.502.95-111
Rewards Credit Card15.0517.999.7512.4315.997.90-262
Credit Card Platinum13.4516.999.7011.1113.997.00-234
Credit Card Classic13.8117.889.9911.6616.248.99-215
Home Equity - LOC5.678.914.505.126.293.50-56
Home Equity - 5 Yr5.487.503.244.456.003.25-103
Home Equity - 10 Yr5.676.994.245.096.493.99-58
Home Equity - 15 Yr5.946.894.255.647.994.00-30
15 Yr Fixed4.4685.0003.0004.4634.8753.185-1
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.6735.2501.0004.7155.1253.6454
30 Yr Fixed4.8865.2503.6254.8925.3753.8551
1 Yr ARM4.3205.2503.0003.7784.3752.875-54
3/1 ARM4.2105.5001.0004.2595.0003.1255
5/1 ARM4.5606.2503.0004.2784.7743.107-28
7/1 ARM4.6155.7503.5004.4845.1254.000-13
New RV - 60 Mo5.6310.603.254.497.502.95-114
Unsecured - 36 Mo8.8418.003.409.7414.506.7491
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* Represents the difference in the average rate between banks and credit unions.