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 - $10k0.190.750.030.700.750.6551
6 Mo CD - $10k0.351.400.030.981.500.7563
1 Yr CD - $10k0.411.500.101.411.561.15100
18 Mo CD - $10k0.912.650.031.241.610.8532
2 Yr CD - $10k0.742.750.101.672.350.9593
30 Mo CD - $10k0.952.780.032.643.002.40169
3 Yr CD - $10k0.972.750.101.722.101.0575
4 Yr CD - $10k1.052.750.031.782.271.1573
5 Yr CD - $10k1.392.750.032.383.251.25100
1 Mo CD - $100k0.100.150.05    
2 Mo CD - $100k0.100.150.05    
3 Mo CD - $100k0.130.200.050.900.900.9077
6 Mo CD - $100k0.441.400.100.951.000.9051
1 Yr CD - $100k0.300.400.151.641.711.56134
2 Yr CD - $100k0.942.750.251.892.021.7695
3 Yr CD - $100k1.052.750.302.102.172.02105
Interest Checking - $5k0.060.250.010.100.150.054
Liquid IRA Account0.230.600.050.350.600.1012
Money Market - $2.5k0.080.250.010.390.500.2531
Money Market - $10k0.110.300.010.540.750.2543
Money Market - $25k0.160.350.010.660.750.3550
Money Market - $50k0.210.450.010.901.210.4569
Money Market - $100k0.321.150.010.991.460.4567
Money Market - $250k0.351.350.011.051.500.4569
Regular Savings - $1k0.304.000.010.321.000.102
New Car - 36 Mo5.247.992.873.163.992.75-208
New Car - 48 Mo5.287.992.873.324.252.95-196
New Car - 60 Mo5.557.993.373.744.503.49-181
New Car - 72 Mo4.975.993.374.124.753.89-85
Used Car - 36 Mo5.848.993.873.163.992.75-268
Used Car - 48 Mo5.888.993.873.324.252.95-256
Used Car - 60 Mo5.406.563.873.744.503.49-166
Used Car - 72 Mo5.536.045.243.994.153.89-153
New Boat - 60 Mo6.779.004.253.994.503.50-278
Rewards Credit Card14.4517.999.998.189.157.45-628
Credit Card Platinum12.9914.9910.998.108.657.15-489
Credit Card Classic10.9910.9910.9912.0012.0012.00101
Home Equity - LOC5.737.754.744.734.754.63-100
Home Equity - 5 Yr5.688.314.133.553.703.49-213
Home Equity - 10 Yr5.788.034.254.594.894.25-120
Home Equity - 15 Yr6.198.114.505.345.505.25-85
15 Yr Fixed4.6464.6254.2504.6814.8754.1253
20 Yr Fixed4.8814.8754.5004.8705.0004.500-1
30 Yr Fixed5.0815.1254.7005.0805.3754.7500
1 Yr ARM3.6154.5002.5002.4052.2502.250-121
3/1 ARM4.0425.3753.5003.2993.8752.500-74
5/1 ARM4.2545.2503.7504.4744.8753.95022
7/1 ARM4.3635.5003.8754.8285.1254.25047
New RV - 60 Mo6.749.004.253.994.503.50-275
Unsecured - 36 Mo10.6214.756.499.699.998.74-94
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* Represents the difference in the average rate between banks and credit unions.