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 - $10k0.241.600.010.321.400.038
6 Mo CD - $10k0.341.700.010.541.750.0521
1 Yr CD - $10k0.612.250.010.892.170.0529
18 Mo CD - $10k0.662.250.050.932.280.1027
2 Yr CD - $10k0.782.480.031.152.430.1536
30 Mo CD - $10k0.672.580.051.292.430.2061
3 Yr CD - $10k0.922.750.051.362.530.2044
4 Yr CD - $10k0.972.630.101.552.630.2559
5 Yr CD - $10k1.182.840.201.933.000.3575
1 Mo CD - $100k0.160.900.010.200.350.054
2 Mo CD - $100k0.181.050.010.270.300.208
3 Mo CD - $100k0.261.600.010.411.400.0314
3 Mo CD - $250k   0.320.350.30 
6 Mo CD - $100k0.361.700.010.651.770.1029
6 Mo CD - $250k   0.470.550.40 
1 Yr CD - $100k0.642.000.011.052.220.1541
1 Yr CD - $250k   0.600.800.45 
2 Yr CD - $100k0.822.450.051.342.530.3052
2 Yr CD - $250k   0.900.900.90 
3 Yr CD - $100k0.972.750.051.512.630.4554
3 Yr CD - $250k   1.301.351.25 
Interest Checking - $5k0.080.710.010.100.650.012
Liquid IRA Account0.150.800.010.312.070.0116
Money Market - $2.5k0.161.750.010.243.000.018
Money Market - $10k0.191.750.010.241.700.016
Money Market - $25k0.221.750.010.301.440.018
Money Market - $50k0.251.750.010.351.440.0210
Money Market - $100k0.311.750.010.411.500.0210
Money Market - $250k0.331.750.010.421.500.029
Regular Savings - $1k0.111.550.010.151.510.015
New Car - 36 Mo4.919.252.242.724.741.49-219
New Car - 48 Mo4.989.252.242.854.741.49-213
New Car - 60 Mo5.049.252.292.944.741.59-210
New Car - 72 Mo4.929.252.653.214.991.59-171
Used Car - 36 Mo5.5511.382.292.904.751.49-265
Used Car - 48 Mo5.6211.542.293.034.751.49-259
Used Car - 60 Mo5.3511.742.293.134.751.59-222
Used Car - 72 Mo4.727.152.693.435.591.59-129
New Boat - 60 Mo7.1612.503.396.0610.951.99-110
Rewards Credit Card14.0317.497.9911.1816.901.99-284
Credit Card Platinum11.6316.657.999.8414.991.99-180
Credit Card Classic11.9516.907.9911.5116.996.49-44
Home Equity - LOC5.749.144.505.026.753.50-72
Home Equity - 5 Yr6.028.283.505.348.503.12-68
Home Equity - 10 Yr6.258.284.405.618.503.25-63
Home Equity - 15 Yr6.368.284.745.888.593.25-49
15 Yr Fixed4.1604.6393.2504.3164.8752.87516
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.3955.0001.0004.5894.8753.25019
30 Yr Fixed4.6205.0003.8754.7765.1253.62516
1 Yr ARM3.7586.0002.6253.3434.0002.000-41
3/1 ARM3.8235.2501.0003.6045.1252.125-22
5/1 ARM4.0535.2053.0003.8715.0002.875-18
7/1 ARM4.2285.3503.1254.0935.2503.125-13
New RV - 60 Mo6.8811.003.395.9710.991.99-91
Unsecured - 36 Mo11.5820.754.759.4815.505.24-209
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* Represents the difference in the average rate between banks and credit unions.