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 - $10k0.311.560.030.390.650.108
6 Mo CD - $10k0.451.760.050.600.900.1015
1 Yr CD - $10k0.652.020.050.881.300.1523
18 Mo CD - $10k0.742.180.100.991.350.2025
2 Yr CD - $10k0.892.370.201.151.550.3026
30 Mo CD - $10k0.912.370.201.551.551.5564
3 Yr CD - $10k1.062.470.251.281.750.4021
4 Yr CD - $10k1.222.570.301.501.900.6028
5 Yr CD - $10k1.542.780.351.762.260.7522
1 Mo CD - $100k0.110.200.05    
2 Mo CD - $100k0.110.200.05    
3 Mo CD - $100k0.411.560.050.490.700.308
6 Mo CD - $100k0.561.760.050.631.000.107
1 Yr CD - $100k0.762.020.100.881.450.1513
2 Yr CD - $100k1.022.370.151.111.600.309
3 Yr CD - $100k1.202.470.351.331.800.4012
Interest Checking - $5k0.090.500.010.120.350.052
Liquid IRA Account0.451.650.020.621.250.0517
Money Market - $2.5k0.151.000.010.170.350.101
Money Market - $10k0.191.000.010.190.350.10-1
Money Market - $25k0.231.000.010.280.570.105
Money Market - $50k0.281.000.010.340.820.107
Money Market - $100k0.321.000.010.431.330.1012
Money Market - $250k0.371.100.010.451.330.108
Regular Savings - $1k0.130.900.010.120.350.04-1
New Car - 36 Mo4.406.372.703.003.902.49-140
New Car - 48 Mo4.446.372.903.263.992.75-119
New Car - 60 Mo4.536.372.903.283.992.75-125
New Car - 72 Mo4.716.542.903.814.992.75-90
Used Car - 36 Mo4.576.532.703.194.252.49-138
Used Car - 48 Mo4.696.532.903.484.502.90-121
Used Car - 60 Mo4.666.532.903.524.752.99-114
Used Car - 72 Mo4.745.792.903.964.993.25-78
New Boat - 60 Mo5.5710.603.754.185.252.99-138
Rewards Credit Card13.7617.498.5010.1213.496.88-364
Credit Card Platinum12.0416.658.5011.4911.4911.49-55
Credit Card Classic14.5720.2411.249.3811.747.50-519
Home Equity - LOC5.308.134.244.555.254.00-75
Home Equity - 5 Yr5.326.504.254.405.003.50-92
Home Equity - 10 Yr5.516.254.505.566.254.505
Home Equity - 15 Yr5.956.954.755.165.994.50-79
15 Yr Fixed4.0894.3713.5004.0504.1253.375-4
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2004.6251.0004.3454.2504.25015
30 Yr Fixed4.5204.7504.0004.5034.6254.000-2
1 Yr ARM4.0284.6253.250 
3/1 ARM3.5144.6251.000 
5/1 ARM3.9064.8752.7503.4203.2503.250-49
7/1 ARM4.1474.8753.0003.6703.5003.500-48
New RV - 60 Mo5.4810.603.504.075.252.99-141
Unsecured - 36 Mo8.009.504.509.0910.996.75109
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* Represents the difference in the average rate between banks and credit unions.