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 - $10k0.311.900.010.511.950.0520
6 Mo CD - $10k0.452.020.010.862.400.0541
1 Yr CD - $10k0.842.750.011.312.800.0547
18 Mo CD - $10k0.972.900.051.393.010.1042
2 Yr CD - $10k1.063.040.101.623.000.1556
30 Mo CD - $10k0.943.000.051.693.000.2075
3 Yr CD - $10k1.193.140.201.883.350.2070
4 Yr CD - $10k1.183.250.252.023.400.0083
5 Yr CD - $10k1.353.300.302.333.500.0098
1 Mo CD - $100k0.221.710.010.540.800.2532
2 Mo CD - $100k0.271.710.010.700.900.3043
3 Mo CD - $100k0.351.900.010.661.950.1031
3 Mo CD - $250k   0.671.000.35 
6 Mo CD - $100k0.522.010.011.012.400.1049
6 Mo CD - $250k   0.891.200.45 
1 Yr CD - $100k0.862.750.011.512.800.1564
1 Yr CD - $250k   1.191.650.55 
2 Yr CD - $100k1.143.000.101.833.000.3069
2 Yr CD - $250k   1.632.101.15 
3 Yr CD - $100k1.253.000.202.053.200.4580
3 Yr CD - $250k   1.962.251.65 
Interest Checking - $5k0.090.710.010.110.650.013
Liquid IRA Account0.161.000.010.392.710.0223
Money Market - $2.5k0.191.850.010.323.000.0112
Money Market - $10k0.221.850.010.352.000.0212
Money Market - $25k0.282.010.010.422.000.0213
Money Market - $50k0.342.010.010.482.000.0213
Money Market - $100k0.412.010.010.562.000.0214
Money Market - $250k0.462.010.010.582.000.0212
Regular Savings - $1k0.132.250.010.172.020.014
New Car - 36 Mo5.059.252.303.164.741.49-189
New Car - 48 Mo5.028.252.303.284.741.49-174
New Car - 60 Mo5.118.252.453.414.741.59-170
New Car - 72 Mo5.178.252.653.684.991.59-149
Used Car - 36 Mo5.6211.383.153.364.991.49-226
Used Car - 48 Mo5.6811.543.403.485.291.49-220
Used Car - 60 Mo5.4811.743.203.605.291.59-188
Used Car - 72 Mo5.117.153.303.916.291.59-120
New Boat - 60 Mo7.2910.594.506.2510.952.49-104
Rewards Credit Card15.7820.497.9911.5016.901.99-428
Credit Card Platinum13.2717.747.9910.1914.991.99-308
Credit Card Classic12.3620.497.9911.6416.996.95-72
Home Equity - LOC6.239.394.755.487.253.98-75
Home Equity - 5 Yr6.128.783.505.477.763.12-65
Home Equity - 10 Yr6.388.784.405.707.703.25-69
Home Equity - 15 Yr6.448.784.745.937.903.25-50
15 Yr Fixed4.5286.5003.3754.5605.0002.8753
10 Yr Fixed1.1101.0001.0004.1754.0564.056307
20 Yr Fixed4.7396.7501.0004.8605.3753.25012
30 Yr Fixed4.8995.5003.8755.0185.3753.62512
1 Yr ARM3.7635.5002.7503.7655.2192.2500
3/1 ARM3.9685.5001.0003.9706.2502.3750
5/1 ARM4.3616.0003.5004.0615.3752.875-30
7/1 ARM4.5065.5003.7504.3005.6253.250-21
New RV - 60 Mo7.2110.594.546.1710.992.49-104
Unsecured - 36 Mo12.0417.165.009.7615.505.24-228
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* Represents the difference in the average rate between banks and credit unions.