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 - $10k0.180.300.050.972.510.4079
6 Mo CD - $10k0.300.750.051.252.640.6595
1 Yr CD - $10k0.821.250.151.872.840.85105
18 Mo CD - $10k1.202.050.602.202.941.71100
2 Yr CD - $10k0.961.450.152.342.981.05138
30 Mo CD - $10k0.941.450.152.402.602.12146
3 Yr CD - $10k1.352.500.202.583.101.36124
4 Yr CD - $10k1.342.650.202.723.301.61138
5 Yr CD - $10k1.582.750.252.853.301.96127
1 Mo CD - $100k0.160.250.100.681.350.3052
2 Mo CD - $100k0.140.200.100.350.400.3021
3 Mo CD - $100k0.190.400.050.751.450.4556
6 Mo CD - $100k0.320.850.050.911.550.4559
1 Yr CD - $100k0.861.350.151.552.200.8069
2 Yr CD - $100k1.031.460.252.202.901.10117
3 Yr CD - $100k1.402.600.302.453.201.36105
Interest Checking - $5k0.070.150.050.090.250.053
Liquid IRA Account0.130.270.030.371.000.1025
Money Market - $2.5k0.110.170.010.210.300.1010
Money Market - $10k0.090.150.010.320.500.2022
Money Market - $25k0.120.200.010.360.600.2024
Money Market - $50k0.130.200.050.440.750.3032
Money Market - $100k0.130.200.050.591.200.3046
Money Market - $250k0.140.250.050.651.250.3051
Regular Savings - $1k0.070.150.010.160.350.108
New Car - 36 Mo4.004.533.293.654.442.50-35
New Car - 48 Mo4.014.533.293.674.632.50-34
New Car - 60 Mo4.124.533.283.754.722.74-37
New Car - 72 Mo4.144.533.273.924.992.74-22
Used Car - 36 Mo4.424.943.753.664.442.50-76
Used Car - 48 Mo4.434.993.753.694.632.50-74
Used Car - 60 Mo4.575.144.243.764.722.74-81
Used Car - 72 Mo4.254.254.243.794.452.74-46
New Boat - 60 Mo6.7510.605.245.256.714.00-149
Rewards Credit Card15.7415.9914.9910.2711.408.90-547
Credit Card Platinum14.1214.9913.499.709.999.40-442
Credit Card Classic13.9013.9013.9014.0015.0012.9910
Home Equity - LOC6.718.135.255.716.255.25-99
Home Equity - 5 Yr7.278.806.256.667.766.00-61
Home Equity - 10 Yr7.858.956.756.657.706.00-120
Home Equity - 15 Yr9.039.039.036.767.706.00-227
15 Yr Fixed4.4814.8754.1064.2605.0002.875-22
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.2925.1251.0004.7625.2503.50047
30 Yr Fixed4.9505.2504.7004.8455.3753.625-10
1 Yr ARM3.5653.5003.500 
3/1 ARM3.0483.6251.0004.3184.2504.250127
5/1 ARM4.1365.0253.7504.2015.5003.0006
7/1 ARM4.4304.9534.0004.5185.5003.7509
New RV - 60 Mo6.8310.604.745.286.714.00-155
Unsecured - 36 Mo10.2611.819.4910.8114.907.1555
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* Represents the difference in the average rate between banks and credit unions.