RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 202,906 financial institution locations in 19,513 markets across the United States as of 7/23/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.261.800.010.391.600.0313
6 Mo CD - $10k0.361.910.010.641.850.0528
1 Yr CD - $10k0.682.500.011.062.430.0537
18 Mo CD - $10k0.792.600.051.042.400.1025
2 Yr CD - $10k0.852.750.031.312.580.1545
30 Mo CD - $10k0.742.800.051.392.500.2065
3 Yr CD - $10k1.013.000.051.532.700.2052
4 Yr CD - $10k1.093.000.101.712.750.2562
5 Yr CD - $10k1.233.000.252.083.050.3584
1 Mo CD - $100k0.191.510.010.340.700.0515
2 Mo CD - $100k0.221.510.010.620.800.2540
3 Mo CD - $100k0.301.800.010.471.600.0317
3 Mo CD - $250k   0.400.550.30 
6 Mo CD - $100k0.401.910.010.771.850.1036
6 Mo CD - $250k   0.681.200.40 
1 Yr CD - $100k0.722.500.011.242.430.1551
1 Yr CD - $250k   0.941.650.45 
2 Yr CD - $100k0.912.750.051.502.580.3058
2 Yr CD - $250k   1.382.100.90 
3 Yr CD - $100k1.083.000.051.712.850.4564
3 Yr CD - $250k   1.712.251.30 
Interest Checking - $5k0.080.710.010.100.650.012
Liquid IRA Account0.150.800.010.342.250.0119
Money Market - $2.5k0.161.850.010.273.000.0111
Money Market - $10k0.181.850.010.281.700.0210
Money Market - $25k0.221.850.010.341.580.0212
Money Market - $50k0.261.850.010.401.580.0214
Money Market - $100k0.331.850.010.461.700.0213
Money Market - $250k0.351.850.010.481.580.0213
Regular Savings - $1k0.121.550.010.161.700.014
New Car - 36 Mo4.928.502.242.874.741.49-205
New Car - 48 Mo4.968.502.243.004.741.49-195
New Car - 60 Mo5.048.502.293.094.741.59-195
New Car - 72 Mo4.898.252.653.364.991.59-153
Used Car - 36 Mo5.5011.382.293.054.751.49-244
Used Car - 48 Mo5.5311.542.293.174.891.49-236
Used Car - 60 Mo5.3511.742.293.274.891.59-209
Used Car - 72 Mo4.867.152.693.575.891.59-129
New Boat - 60 Mo7.1212.503.396.1310.952.25-99
Rewards Credit Card15.1717.747.9911.3116.901.99-387
Credit Card Platinum12.7616.907.9910.0014.991.99-276
Credit Card Classic12.0116.907.9911.4516.996.49-56
Home Equity - LOC5.849.144.505.216.753.75-63
Home Equity - 5 Yr6.068.283.505.427.363.12-64
Home Equity - 10 Yr6.308.284.405.627.553.25-69
Home Equity - 15 Yr6.378.284.745.847.903.25-53
15 Yr Fixed4.1574.5003.2504.2644.6252.87511
10 Yr Fixed1.1101.0001.0004.0693.9493.949296
20 Yr Fixed4.3914.8751.0004.5644.7503.25017
30 Yr Fixed4.5945.0003.8754.7235.0003.62513
1 Yr ARM3.6256.0002.7503.3974.2502.250-23
3/1 ARM3.7494.6251.0003.6705.1252.250-8
5/1 ARM4.0165.2053.0003.8865.0002.875-13
7/1 ARM4.1795.3503.1254.1005.2503.250-8
New RV - 60 Mo6.9411.003.396.0510.992.25-89
Unsecured - 36 Mo11.6320.754.759.4615.505.24-217
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* Represents the difference in the average rate between banks and credit unions.