RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 209,922 financial institution locations in 19,522 markets across the United States as of 12/11/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.331.410.010.491.950.0517
6 Mo CD - $10k0.511.560.010.702.000.1019
1 Yr CD - $10k0.852.200.051.202.500.2535
18 Mo CD - $10k0.972.650.051.292.880.3532
2 Yr CD - $10k1.102.600.101.543.000.4544
30 Mo CD - $10k1.122.750.101.682.500.5556
3 Yr CD - $10k1.343.030.151.832.700.6548
4 Yr CD - $10k1.503.290.252.012.800.7551
5 Yr CD - $10k1.703.550.302.303.040.9560
1 Mo CD - $100k0.260.650.010.050.050.05-21
2 Mo CD - $100k0.250.650.01    
3 Mo CD - $100k0.320.750.010.781.950.0546
3 Mo CD - $250k   0.600.600.60 
6 Mo CD - $100k0.561.450.010.882.000.2032
6 Mo CD - $250k   0.650.650.65 
1 Yr CD - $100k0.982.200.051.322.550.2534
1 Yr CD - $250k   1.101.101.10 
2 Yr CD - $100k1.172.600.101.593.000.4542
2 Yr CD - $250k   1.401.401.40 
3 Yr CD - $100k1.423.030.151.782.750.6536
3 Yr CD - $250k   1.601.601.60 
Interest Checking - $5k0.130.750.010.140.350.051
Liquid IRA Account0.512.230.010.671.850.1016
Money Market - $2.5k0.231.450.010.411.850.0318
Money Market - $10k0.271.510.010.431.850.0316
Money Market - $25k0.281.510.010.511.850.0523
Money Market - $50k0.331.510.010.551.850.0822
Money Market - $100k0.381.750.010.581.850.0819
Money Market - $250k0.411.750.010.591.850.1018
Regular Savings - $1k0.180.850.010.220.800.054
New Car - 36 Mo5.007.302.492.624.001.49-237
New Car - 48 Mo5.077.302.752.814.001.99-226
New Car - 60 Mo5.127.752.993.054.001.99-207
New Car - 72 Mo4.846.002.993.564.991.99-128
Used Car - 36 Mo5.658.252.492.924.991.75-273
Used Car - 48 Mo5.688.752.753.115.291.99-258
Used Car - 60 Mo5.698.133.003.365.291.99-233
Used Car - 72 Mo4.275.293.254.066.291.99-21
New Boat - 60 Mo6.3610.583.854.648.252.25-172
Rewards Credit Card14.2717.998.2511.6215.998.90-266
Credit Card Platinum13.3215.758.009.2413.994.90-408
Credit Card Classic14.5519.909.9011.5618.006.99-299
Home Equity - LOC5.427.754.505.286.005.00-14
Home Equity - 5 Yr5.866.755.005.689.753.79-18
Home Equity - 10 Yr6.077.105.255.877.194.99-20
Home Equity - 15 Yr5.846.255.256.166.995.0032
15 Yr Fixed4.5445.7503.5004.5875.1254.0004
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.6535.1251.0004.8365.5003.75018
30 Yr Fixed4.9535.2504.0005.0705.7504.50012
1 Yr ARM3.9173.7503.750 
3/1 ARM2.8214.3001.0003.7764.3752.37595
5/1 ARM4.0245.1252.5004.3844.7503.12536
7/1 ARM4.2375.1253.0004.6234.7504.12539
New RV - 60 Mo6.1510.584.504.778.092.25-138
Unsecured - 36 Mo9.3214.006.509.1013.305.24-21
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* Represents the difference in the average rate between banks and credit unions.