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 - $10k0.241.250.010.591.300.1535
6 Mo CD - $10k0.521.680.010.881.350.3537
1 Yr CD - $10k0.842.100.011.281.800.7544
18 Mo CD - $10k0.882.190.051.412.000.8053
2 Yr CD - $10k1.082.310.051.522.250.9045
30 Mo CD - $10k0.571.680.051.762.151.00119
3 Yr CD - $10k1.172.370.051.812.251.2664
4 Yr CD - $10k1.262.400.102.062.301.6180
5 Yr CD - $10k1.783.000.252.653.201.9086
1 Mo CD - $100k0.130.250.010.100.100.10-3
2 Mo CD - $100k0.120.250.01    
3 Mo CD - $100k0.261.500.010.651.300.1539
6 Mo CD - $100k0.441.750.010.971.350.5052
1 Yr CD - $100k0.722.050.011.421.851.0570
2 Yr CD - $100k0.962.300.051.662.251.2070
3 Yr CD - $100k1.042.250.051.882.251.4684
Interest Checking - $5k0.070.250.010.070.150.020
Liquid IRA Account0.441.450.030.281.250.05-15
Money Market - $2.5k0.231.550.010.221.250.10-2
Money Market - $10k0.241.550.010.241.250.100
Money Market - $25k0.321.550.010.301.250.10-2
Money Market - $50k0.331.550.010.311.250.10-2
Money Market - $100k0.421.550.010.371.250.10-6
Money Market - $250k0.441.550.010.401.250.10-4
Regular Savings - $1k0.311.600.010.161.250.03-15
New Car - 36 Mo4.176.252.993.303.991.98-86
New Car - 48 Mo4.236.252.993.323.991.98-91
New Car - 60 Mo4.286.252.993.343.991.98-93
New Car - 72 Mo4.406.003.493.584.242.48-81
Used Car - 36 Mo4.326.252.993.343.991.98-98
Used Car - 48 Mo4.396.252.993.363.991.98-103
Used Car - 60 Mo4.426.252.993.383.991.98-104
Used Car - 72 Mo4.256.003.493.623.992.99-63
New Boat - 60 Mo6.3610.604.504.885.991.98-147
Rewards Credit Card13.3717.498.6510.8114.008.49-256
Credit Card Platinum12.3816.658.658.899.906.49-349
Credit Card Classic12.6016.9010.2410.6616.246.49-195
Home Equity - LOC5.467.634.254.785.753.99-68
Home Equity - 5 Yr5.767.005.254.766.113.99-100
Home Equity - 10 Yr5.686.245.255.276.504.74-40
Home Equity - 15 Yr6.166.645.685.766.495.00-40
15 Yr Fixed4.1524.3733.6253.9914.1253.085-16
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.1854.7501.0004.3734.6253.69519
30 Yr Fixed4.5214.7504.0004.5364.7503.8012
1 Yr ARM3.8194.0003.250 
3/1 ARM3.2423.6251.0004.0095.0002.37577
5/1 ARM3.8314.8092.8753.6094.6252.625-22
7/1 ARM3.9874.8753.0003.9544.6253.000-3
New RV - 60 Mo6.5210.604.504.845.991.98-168
Unsecured - 36 Mo9.6812.447.508.9313.255.24-75
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* Represents the difference in the average rate between banks and credit unions.