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 - $10k0.160.500.030.530.650.4036
6 Mo CD - $10k0.240.750.030.801.500.4556
1 Yr CD - $10k0.381.250.051.061.500.6569
18 Mo CD - $10k0.602.250.031.111.750.4551
2 Yr CD - $10k0.662.000.031.251.750.8559
30 Mo CD - $10k0.390.800.031.862.151.56146
3 Yr CD - $10k0.832.000.031.351.851.0552
4 Yr CD - $10k0.972.000.101.411.771.1544
5 Yr CD - $10k1.232.450.031.872.751.2565
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 - $100k0.170.250.050.740.770.7057
1 Yr CD - $100k0.290.400.151.241.361.1195
2 Yr CD - $100k0.762.000.251.501.561.4474
3 Yr CD - $100k0.902.000.301.611.661.5571
Interest Checking - $5k0.050.150.010.100.150.055
Liquid IRA Account0.200.600.050.320.600.1012
Money Market - $2.5k0.070.200.010.290.400.2522
Money Market - $10k0.100.250.010.390.600.2529
Money Market - $25k0.130.300.010.460.600.3033
Money Market - $50k0.180.500.010.650.900.4547
Money Market - $100k0.260.750.010.681.000.4542
Money Market - $250k0.291.010.010.731.250.4545
Regular Savings - $1k0.070.200.010.291.000.1022
New Car - 36 Mo4.997.992.372.713.502.49-228
New Car - 48 Mo5.037.992.372.903.852.69-212
New Car - 60 Mo5.307.992.873.294.002.69-200
New Car - 72 Mo4.615.742.873.764.453.24-85
Used Car - 36 Mo5.578.993.372.713.502.49-286
Used Car - 48 Mo5.628.993.372.903.852.69-271
Used Car - 60 Mo4.936.063.373.294.002.69-163
Used Car - 72 Mo5.206.044.143.623.803.24-157
New Boat - 60 Mo6.389.003.753.453.953.24-293
Rewards Credit Card13.8717.4910.997.998.657.45-589
Credit Card Platinum11.7414.9910.247.688.406.65-406
Credit Card Classic11.1211.2410.9912.0012.0012.0089
Home Equity - LOC5.276.994.254.404.754.13-87
Home Equity - 5 Yr5.138.013.753.093.502.95-204
Home Equity - 10 Yr5.418.034.254.124.254.00-129
Home Equity - 15 Yr5.728.114.504.935.254.75-80
15 Yr Fixed4.3974.3753.7504.4864.6254.0009
20 Yr Fixed4.5814.6254.0004.6374.6254.3756
30 Yr Fixed4.7764.8754.2504.8014.8754.5002
1 Yr ARM3.1624.0002.1252.3112.2502.250-85
3/1 ARM3.7674.5003.1253.0493.3752.500-72
5/1 ARM4.0864.8753.3753.7694.5002.625-32
7/1 ARM4.2645.1253.6254.5464.7503.87528
New RV - 60 Mo6.389.003.753.453.953.24-293
Unsecured - 36 Mo10.4614.755.258.7710.506.99-169
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* Represents the difference in the average rate between banks and credit unions.