RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 199,754 financial institution locations in 19,508 markets across the United States as of 5/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.140.300.050.511.490.2037
6 Mo CD - $10k0.220.750.050.611.660.4039
1 Yr CD - $10k0.601.250.101.091.850.6049
18 Mo CD - $10k0.901.750.101.401.901.0050
2 Yr CD - $10k0.891.360.151.542.000.8066
30 Mo CD - $10k0.631.360.151.622.001.30100
3 Yr CD - $10k1.001.660.201.862.351.1086
4 Yr CD - $10k0.891.810.202.072.551.36119
5 Yr CD - $10k1.282.120.252.303.001.71102
1 Mo CD - $100k0.140.200.100.180.200.154
2 Mo CD - $100k0.140.200.100.200.200.206
3 Mo CD - $100k0.170.400.050.290.300.2512
6 Mo CD - $100k0.260.850.050.510.600.4525
1 Yr CD - $100k0.641.350.101.081.500.6543
2 Yr CD - $100k0.941.460.251.502.110.8556
3 Yr CD - $100k1.051.760.301.862.501.1081
Interest Checking - $5k0.060.150.040.090.250.052
Liquid IRA Account0.090.140.030.281.000.1019
Money Market - $2.5k0.090.150.020.160.250.107
Money Market - $10k0.100.150.030.250.500.1115
Money Market - $25k0.130.200.050.280.600.1516
Money Market - $50k0.130.200.050.350.750.2122
Money Market - $100k0.130.200.060.461.010.2533
Money Market - $250k0.140.200.060.461.010.2532
Regular Savings - $1k0.060.100.010.150.500.109
New Car - 36 Mo3.654.442.993.154.252.24-50
New Car - 48 Mo3.674.542.993.184.252.24-49
New Car - 60 Mo3.694.642.993.294.252.24-40
New Car - 72 Mo3.734.892.993.424.252.24-31
Used Car - 36 Mo3.994.942.993.154.252.24-83
Used Car - 48 Mo4.015.042.993.184.252.24-82
Used Car - 60 Mo4.095.142.993.294.252.24-80
Used Car - 72 Mo3.253.502.993.324.252.247
New Boat - 60 Mo6.2010.604.495.136.254.00-107
Rewards Credit Card13.7814.4913.499.7010.508.90-408
Credit Card Platinum12.7816.6511.4910.1210.259.99-266
Credit Card Classic13.9013.9013.9013.8714.7512.99-3
Home Equity - LOC6.038.134.755.656.254.75-38
Home Equity - 5 Yr5.856.255.296.677.505.4382
Home Equity - 10 Yr6.076.755.396.677.505.6860
Home Equity - 15 Yr5.685.685.686.667.435.7298
15 Yr Fixed4.2724.3903.5003.9384.5002.875-33
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.0724.6491.0004.2814.7503.50021
30 Yr Fixed4.6984.8754.1254.4655.0003.625-23
1 Yr ARM3.6913.6253.625 
3/1 ARM2.8763.7501.0003.5663.5003.50069
5/1 ARM4.2074.7913.7504.0135.5003.000-19
7/1 ARM4.4714.7554.0004.4915.5003.7502
New RV - 60 Mo6.3610.603.994.976.253.24-139
Unsecured - 36 Mo9.439.619.2411.4914.957.40207
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* Represents the difference in the average rate between banks and credit unions.