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 - $10k0.271.000.010.370.800.0510
6 Mo CD - $10k0.391.550.010.651.750.0525
1 Yr CD - $10k0.662.150.010.942.120.1028
18 Mo CD - $10k0.782.250.051.082.250.1029
2 Yr CD - $10k0.872.250.051.152.330.2029
30 Mo CD - $10k0.852.300.051.171.900.2033
3 Yr CD - $10k1.032.750.051.362.430.3034
4 Yr CD - $10k1.102.700.101.532.480.3043
5 Yr CD - $10k1.292.750.201.763.000.5047
1 Mo CD - $100k0.140.750.010.050.050.05-9
2 Mo CD - $100k0.150.750.01    
3 Mo CD - $100k0.250.900.010.430.800.0518
6 Mo CD - $100k0.361.050.010.751.750.1339
1 Yr CD - $100k0.622.150.011.132.120.2351
2 Yr CD - $100k0.832.250.051.352.330.4151
3 Yr CD - $100k0.962.750.051.562.430.6059
Interest Checking - $5k0.120.750.010.110.400.01-1
Liquid IRA Account0.262.020.010.452.070.0319
Money Market - $2.5k0.181.300.010.260.600.038
Money Market - $10k0.211.300.010.330.650.0312
Money Market - $25k0.251.300.010.391.200.0314
Money Market - $50k0.321.300.010.431.300.0511
Money Market - $100k0.381.300.010.491.700.0812
Money Market - $250k0.411.350.010.501.750.109
Regular Savings - $1k0.171.650.010.181.510.031
New Car - 36 Mo4.739.002.302.604.901.74-213
New Car - 48 Mo4.829.002.452.724.901.74-210
New Car - 60 Mo4.899.002.452.874.901.74-202
New Car - 72 Mo4.277.152.553.184.901.79-108
Used Car - 36 Mo5.3110.252.492.905.901.74-241
Used Car - 48 Mo5.3910.252.492.985.901.74-241
Used Car - 60 Mo4.897.002.993.125.901.74-177
Used Car - 72 Mo4.306.003.243.585.592.24-72
New Boat - 60 Mo5.8910.603.504.828.001.79-107
Rewards Credit Card13.2617.497.9910.4513.707.90-280
Credit Card Platinum12.2816.657.909.8313.886.49-244
Credit Card Classic13.5017.908.7412.2618.006.49-124
Home Equity - LOC5.248.104.004.726.003.74-52
Home Equity - 5 Yr5.277.183.754.986.233.49-29
Home Equity - 10 Yr5.517.183.755.336.503.49-18
Home Equity - 15 Yr5.737.313.755.687.033.49-5
15 Yr Fixed4.1615.2503.5004.3244.7503.37516
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.3015.0001.0004.5344.7503.87523
30 Yr Fixed4.5365.1253.7504.7335.0004.00020
1 Yr ARM3.5663.5003.5003.4314.0002.375-13
3/1 ARM3.5474.1251.0003.5704.8752.1252
5/1 ARM3.8685.7502.5003.8554.7502.625-1
7/1 ARM3.9524.7552.8254.1764.7503.12522
New RV - 60 Mo5.8810.603.504.858.001.79-103
Unsecured - 36 Mo8.4114.004.508.4012.904.990
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* Represents the difference in the average rate between banks and credit unions.