RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.190.750.030.530.650.4033
6 Mo CD - $10k0.351.400.030.831.500.5548
1 Yr CD - $10k0.411.500.101.161.510.8075
18 Mo CD - $10k0.752.500.031.131.610.5538
2 Yr CD - $10k0.692.050.031.401.750.9571
30 Mo CD - $10k0.622.750.032.443.002.02182
3 Yr CD - $10k0.932.150.031.552.001.0562
4 Yr CD - $10k1.012.250.031.632.101.1562
5 Yr CD - $10k1.332.550.032.042.751.2571
1 Mo CD - $100k0.100.150.05    
2 Mo CD - $100k0.100.150.05    
3 Mo CD - $100k0.130.200.050.550.550.5542
6 Mo CD - $100k0.441.400.100.740.770.7030
1 Yr CD - $100k0.290.400.151.391.661.11110
2 Yr CD - $100k0.772.050.251.651.861.4488
3 Yr CD - $100k0.912.000.301.812.071.5590
Interest Checking - $5k0.050.200.010.100.150.055
Liquid IRA Account0.230.600.050.320.600.109
Money Market - $2.5k0.080.250.010.310.400.2524
Money Market - $10k0.100.300.010.440.600.2534
Money Market - $25k0.150.350.010.540.650.3540
Money Market - $50k0.200.450.010.770.950.4557
Money Market - $100k0.260.550.010.851.110.4559
Money Market - $250k0.290.550.010.911.250.4562
Regular Savings - $1k0.080.250.010.291.000.1021
New Car - 36 Mo5.137.992.873.063.992.60-207
New Car - 48 Mo5.187.992.873.224.252.80-196
New Car - 60 Mo5.497.993.373.644.503.34-185
New Car - 72 Mo4.865.993.374.024.753.80-84
Used Car - 36 Mo5.758.993.873.063.992.60-269
Used Car - 48 Mo5.808.993.873.224.252.80-258
Used Car - 60 Mo5.276.563.873.644.503.34-163
Used Car - 72 Mo5.296.044.543.873.903.80-142
New Boat - 60 Mo6.669.004.254.024.503.34-264
Rewards Credit Card14.1117.749.998.118.907.45-599
Credit Card Platinum12.8814.9910.747.938.656.90-494
Credit Card Classic10.9910.9910.9912.0012.0012.00101
Home Equity - LOC5.517.504.744.484.504.38-103
Home Equity - 5 Yr5.338.014.003.493.703.30-185
Home Equity - 10 Yr5.568.034.254.524.884.25-104
Home Equity - 15 Yr5.908.114.505.275.505.14-62
15 Yr Fixed4.5134.3754.0004.5694.6254.1256
20 Yr Fixed4.7164.7504.1254.7724.8754.3756
30 Yr Fixed4.8544.8754.3754.9265.1254.5007
1 Yr ARM3.4144.5002.5002.4052.2502.250-101
3/1 ARM3.9715.5003.3753.2373.7502.500-73
5/1 ARM4.2545.5003.5003.9754.7502.625-28
7/1 ARM4.3565.3753.6254.8305.0004.37547
New RV - 60 Mo6.639.004.254.024.503.34-261
Unsecured - 36 Mo10.4914.756.499.699.998.74-80
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* Represents the difference in the average rate between banks and credit unions.