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 - $10k0.180.900.010.330.750.0515
6 Mo CD - $10k0.312.000.010.641.850.0533
1 Yr CD - $10k0.512.500.051.082.350.1057
18 Mo CD - $10k0.532.550.041.162.400.1563
2 Yr CD - $10k0.732.800.101.352.500.1563
30 Mo CD - $10k0.622.150.101.322.170.2070
3 Yr CD - $10k0.903.000.151.572.600.2067
4 Yr CD - $10k1.032.900.201.812.650.3578
5 Yr CD - $10k1.203.200.202.163.290.7096
1 Mo CD - $100k0.100.500.010.350.500.0525
2 Mo CD - $100k0.130.500.010.500.500.5037
3 Mo CD - $100k0.160.750.010.350.700.0519
6 Mo CD - $100k0.302.000.030.841.850.2254
1 Yr CD - $100k0.492.500.071.422.350.2593
2 Yr CD - $100k0.712.800.101.662.500.4195
3 Yr CD - $100k0.883.000.201.892.600.51101
Interest Checking - $5k0.060.350.010.120.500.056
Liquid IRA Account0.151.050.010.702.250.0554
Money Market - $2.5k0.131.050.010.371.580.0124
Money Market - $10k0.191.050.010.401.580.0120
Money Market - $25k0.261.690.010.461.580.0521
Money Market - $50k0.311.690.010.491.580.0518
Money Market - $100k0.351.690.010.531.580.0518
Money Market - $250k0.381.690.010.551.580.0517
Regular Savings - $1k0.141.750.010.211.670.027
New Car - 36 Mo4.237.942.302.924.791.90-131
New Car - 48 Mo4.337.942.303.074.791.90-127
New Car - 60 Mo4.447.942.453.134.941.90-131
New Car - 72 Mo4.467.942.553.465.341.99-100
Used Car - 36 Mo4.678.442.493.435.751.90-124
Used Car - 48 Mo4.818.442.753.495.751.90-132
Used Car - 60 Mo4.496.703.003.565.751.90-93
Used Car - 72 Mo4.186.383.243.905.891.99-28
New Boat - 60 Mo6.1810.753.805.9810.502.29-20
Rewards Credit Card14.4517.499.9910.5115.497.75-394
Credit Card Platinum12.9516.909.249.5312.756.50-342
Credit Card Classic14.5318.0011.7410.7913.409.10-373
Home Equity - LOC5.508.144.745.356.504.50-15
Home Equity - 5 Yr5.668.013.885.207.503.49-46
Home Equity - 10 Yr5.668.033.885.707.503.754
Home Equity - 15 Yr5.948.114.395.978.503.753
15 Yr Fixed4.3336.0003.3754.3304.5003.6250
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.3914.7501.0004.6074.7503.87522
30 Yr Fixed4.6554.8753.7504.7295.0004.0007
1 Yr ARM4.7145.4004.0004.2634.9853.250-45
3/1 ARM3.8365.2801.0004.0985.5002.25026
5/1 ARM4.0255.5003.1254.1484.6353.00012
7/1 ARM4.0845.3203.2504.3404.7503.62526
New RV - 60 Mo6.1010.603.805.9710.502.29-13
Unsecured - 36 Mo9.8816.006.009.4518.006.49-43
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* Represents the difference in the average rate between banks and credit unions.