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 - $10k0.221.600.010.301.300.038
6 Mo CD - $10k0.321.700.010.511.650.0319
1 Yr CD - $10k0.572.100.010.832.070.0526
18 Mo CD - $10k0.652.100.050.872.220.1022
2 Yr CD - $10k0.722.250.031.092.330.1537
30 Mo CD - $10k0.641.800.051.272.300.2062
3 Yr CD - $10k0.852.500.051.292.380.2045
4 Yr CD - $10k0.932.500.101.502.430.2557
5 Yr CD - $10k1.132.800.201.862.800.3574
1 Mo CD - $100k0.150.900.010.200.350.055
2 Mo CD - $100k0.171.050.010.270.300.209
3 Mo CD - $100k0.251.600.010.371.300.0312
3 Mo CD - $250k   0.320.350.30 
6 Mo CD - $100k0.341.700.010.621.650.0828
6 Mo CD - $250k   0.470.550.40 
1 Yr CD - $100k0.642.000.010.982.070.1334
1 Yr CD - $250k   0.600.800.45 
2 Yr CD - $100k0.802.250.051.282.500.2448
2 Yr CD - $250k   0.900.900.90 
3 Yr CD - $100k0.892.500.051.442.480.3856
3 Yr CD - $250k   1.301.351.25 
Interest Checking - $5k0.080.710.010.100.650.012
Liquid IRA Account0.150.800.010.302.020.0116
Money Market - $2.5k0.141.150.010.212.800.017
Money Market - $10k0.161.150.010.231.700.017
Money Market - $25k0.201.550.010.291.420.018
Money Market - $50k0.241.600.010.331.420.0210
Money Market - $100k0.301.600.010.391.500.029
Money Market - $250k0.321.600.010.411.500.029
Regular Savings - $1k0.111.550.010.151.510.014
New Car - 36 Mo4.879.252.242.644.741.49-224
New Car - 48 Mo4.959.252.242.754.741.49-220
New Car - 60 Mo5.019.252.292.834.741.59-218
New Car - 72 Mo4.899.252.653.134.991.59-176
Used Car - 36 Mo5.5211.382.292.844.741.49-268
Used Car - 48 Mo5.6011.542.292.954.741.49-265
Used Car - 60 Mo5.3111.742.293.044.741.59-227
Used Car - 72 Mo4.617.152.693.375.591.59-124
New Boat - 60 Mo7.1312.503.396.0610.951.99-108
Rewards Credit Card14.0117.497.9911.1016.901.99-291
Credit Card Platinum11.5916.657.999.7514.991.99-184
Credit Card Classic11.9216.907.9911.4616.996.49-46
Home Equity - LOC5.608.644.504.936.503.50-67
Home Equity - 5 Yr5.957.783.505.328.502.88-63
Home Equity - 10 Yr6.187.784.405.598.503.25-58
Home Equity - 15 Yr6.287.784.745.858.503.25-43
15 Yr Fixed4.0404.3753.1964.1644.5002.87512
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2804.6251.0004.4594.7503.25018
30 Yr Fixed4.5254.8753.8754.6364.8753.62511
1 Yr ARM3.7846.0002.6253.2293.7502.000-55
3/1 ARM3.7755.2501.0003.4615.1252.125-31
5/1 ARM3.9234.8752.8753.7394.7502.625-18
7/1 ARM4.0784.8753.0003.9594.7503.000-12
New RV - 60 Mo6.8411.003.395.9610.991.99-89
Unsecured - 36 Mo11.6420.755.919.4815.505.24-216
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* Represents the difference in the average rate between banks and credit unions.