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 - $10k0.251.250.010.611.400.1536
6 Mo CD - $10k0.531.770.010.951.450.4042
1 Yr CD - $10k0.912.200.011.421.950.7551
18 Mo CD - $10k1.002.260.051.571.900.8057
2 Yr CD - $10k1.192.430.051.722.250.9054
30 Mo CD - $10k0.631.680.051.942.301.00131
3 Yr CD - $10k1.312.480.051.962.301.2665
4 Yr CD - $10k1.392.600.102.192.501.6180
5 Yr CD - $10k1.873.000.252.733.201.9086
1 Mo CD - $100k0.130.250.010.100.100.10-3
2 Mo CD - $100k0.120.250.01    
3 Mo CD - $100k0.281.500.010.681.400.2540
6 Mo CD - $100k0.461.750.011.041.450.5058
1 Yr CD - $100k0.822.150.011.511.951.0569
2 Yr CD - $100k1.062.300.051.802.251.2074
3 Yr CD - $100k1.182.400.051.992.301.4682
Interest Checking - $5k0.070.250.010.070.150.021
Liquid IRA Account0.441.500.030.291.400.05-15
Money Market - $2.5k0.231.650.010.231.400.100
Money Market - $10k0.231.650.010.251.400.101
Money Market - $25k0.311.650.010.311.400.100
Money Market - $50k0.321.650.010.331.400.101
Money Market - $100k0.411.650.010.391.400.10-2
Money Market - $250k0.431.650.010.431.400.100
Regular Savings - $1k0.381.700.010.161.250.03-23
New Car - 36 Mo4.516.252.993.423.992.28-108
New Car - 48 Mo4.646.252.993.443.992.28-120
New Car - 60 Mo4.626.252.993.473.992.28-115
New Car - 72 Mo4.776.003.493.724.242.78-105
Used Car - 36 Mo4.746.252.993.483.992.58-126
Used Car - 48 Mo4.806.252.993.503.992.58-130
Used Car - 60 Mo4.866.252.993.523.992.58-134
Used Car - 72 Mo5.006.003.493.754.003.25-125
New Boat - 60 Mo6.3010.604.255.065.993.93-125
Rewards Credit Card13.4317.498.6510.8714.258.49-256
Credit Card Platinum12.4116.658.658.949.906.49-347
Credit Card Classic12.6816.9010.2410.7816.496.49-190
Home Equity - LOC5.447.634.254.885.753.99-57
Home Equity - 5 Yr5.767.005.254.796.143.99-97
Home Equity - 10 Yr5.686.245.255.326.504.74-36
Home Equity - 15 Yr6.166.645.685.796.495.00-37
15 Yr Fixed4.2474.5003.7504.0804.3753.085-17
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2814.8751.0004.4394.6253.69516
30 Yr Fixed4.6334.8754.2504.6134.8753.801-2
1 Yr ARM3.7674.0003.125 
3/1 ARM3.3713.8751.0004.0515.0002.37568
5/1 ARM3.9454.7912.8753.6914.6252.625-25
7/1 ARM4.0604.8753.0004.0384.6253.000-2
New RV - 60 Mo6.5310.604.505.015.993.93-152
Unsecured - 36 Mo9.6812.447.509.0013.255.24-68
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* Represents the difference in the average rate between banks and credit unions.