RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.281.800.010.441.700.0316
6 Mo CD - $10k0.401.910.010.732.100.0533
1 Yr CD - $10k0.742.500.011.213.000.0547
18 Mo CD - $10k0.832.830.051.262.750.1043
2 Yr CD - $10k0.952.850.031.473.000.1551
30 Mo CD - $10k0.822.800.051.503.000.2068
3 Yr CD - $10k1.053.000.051.683.000.2063
4 Yr CD - $10k1.123.000.101.812.760.0070
5 Yr CD - $10k1.253.000.252.173.250.0092
1 Mo CD - $100k0.211.510.010.530.800.2532
2 Mo CD - $100k0.231.510.010.680.900.2545
3 Mo CD - $100k0.321.800.010.551.700.0323
3 Mo CD - $250k   0.470.750.30 
6 Mo CD - $100k0.441.910.010.852.100.1041
6 Mo CD - $250k   0.711.200.40 
1 Yr CD - $100k0.782.500.011.352.650.1557
1 Yr CD - $250k   0.941.650.45 
2 Yr CD - $100k0.992.850.101.653.000.3066
2 Yr CD - $250k   1.382.100.90 
3 Yr CD - $100k1.123.000.201.833.000.4571
3 Yr CD - $250k   1.762.251.30 
Interest Checking - $5k0.090.710.010.110.650.012
Liquid IRA Account0.150.800.010.352.350.0220
Money Market - $2.5k0.171.850.010.283.000.0111
Money Market - $10k0.191.850.010.301.700.0211
Money Market - $25k0.241.850.010.361.650.0212
Money Market - $50k0.271.850.010.421.650.0215
Money Market - $100k0.341.850.010.501.750.0215
Money Market - $250k0.381.850.010.521.750.0214
Regular Savings - $1k0.121.550.010.171.800.014
New Car - 36 Mo4.918.252.243.014.741.49-190
New Car - 48 Mo4.938.252.243.134.741.49-180
New Car - 60 Mo5.028.252.453.254.741.59-178
New Car - 72 Mo4.948.252.653.514.991.59-143
Used Car - 36 Mo5.4611.382.743.204.751.49-227
Used Car - 48 Mo5.4711.542.743.324.891.49-215
Used Car - 60 Mo5.3811.743.203.434.891.59-195
Used Car - 72 Mo4.977.153.303.725.891.59-125
New Boat - 60 Mo7.2212.504.506.1410.952.25-108
Rewards Credit Card15.4617.747.9911.3616.901.99-411
Credit Card Platinum12.9517.247.9910.0514.991.99-290
Credit Card Classic12.0816.907.9911.6016.996.74-48
Home Equity - LOC5.929.144.505.236.753.75-69
Home Equity - 5 Yr6.088.533.505.457.553.12-62
Home Equity - 10 Yr6.348.534.405.657.633.25-69
Home Equity - 15 Yr6.418.534.745.887.903.25-53
15 Yr Fixed4.2596.5003.3754.3784.8752.87512
10 Yr Fixed1.1101.0001.0004.3754.2554.255327
20 Yr Fixed4.5126.6251.0004.7085.0003.25020
30 Yr Fixed4.6675.1253.8754.8375.1253.62517
1 Yr ARM3.6796.2002.7503.4254.2502.250-25
3/1 ARM3.8145.5001.0003.7165.1252.250-10
5/1 ARM4.1605.7503.0003.9395.0002.875-22
7/1 ARM4.2905.3503.1254.1415.2503.125-15
New RV - 60 Mo7.1111.004.546.0710.992.25-104
Unsecured - 36 Mo11.6720.755.009.6215.505.24-204
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* Represents the difference in the average rate between banks and credit unions.