RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 197,433 financial institution locations in 19,504 markets across the United States as of 4/22/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.230.850.010.360.800.0513
6 Mo CD - $10k0.341.050.010.581.650.0125
1 Yr CD - $10k0.592.100.010.892.070.1029
18 Mo CD - $10k0.692.250.050.962.220.1027
2 Yr CD - $10k0.792.200.051.092.330.2030
30 Mo CD - $10k0.791.900.051.141.900.2035
3 Yr CD - $10k0.932.250.051.292.380.3036
4 Yr CD - $10k1.032.450.101.462.430.3043
5 Yr CD - $10k1.212.710.201.703.000.5049
1 Mo CD - $100k0.130.500.010.050.050.05-8
2 Mo CD - $100k0.110.450.01    
3 Mo CD - $100k0.220.800.010.420.800.0519
6 Mo CD - $100k0.331.000.010.701.650.1337
1 Yr CD - $100k0.592.100.011.092.070.2350
2 Yr CD - $100k0.792.200.051.262.330.4147
3 Yr CD - $100k0.892.250.051.472.400.6058
Interest Checking - $5k0.120.650.010.110.400.01-1
Liquid IRA Account0.262.020.010.442.020.0318
Money Market - $2.5k0.171.050.010.240.600.038
Money Market - $10k0.201.060.010.310.650.0311
Money Market - $25k0.241.060.010.371.150.0313
Money Market - $50k0.301.260.010.411.250.0511
Money Market - $100k0.351.260.010.471.550.0812
Money Market - $250k0.381.350.010.481.600.1011
Regular Savings - $1k0.161.550.010.181.510.031
New Car - 36 Mo4.719.002.302.544.901.74-216
New Car - 48 Mo4.809.002.452.654.901.74-215
New Car - 60 Mo4.879.002.452.784.901.74-209
New Car - 72 Mo4.267.152.553.094.901.79-117
Used Car - 36 Mo5.3310.252.492.815.901.74-252
Used Car - 48 Mo5.4010.252.492.865.901.74-254
Used Car - 60 Mo4.957.002.993.025.901.74-193
Used Car - 72 Mo4.296.003.243.475.592.24-82
New Boat - 60 Mo5.9010.603.504.768.001.79-114
Rewards Credit Card13.1817.247.9910.3813.707.90-281
Credit Card Platinum12.1916.657.909.6713.776.49-252
Credit Card Classic13.4717.908.7412.0618.006.49-141
Home Equity - LOC5.178.354.004.726.003.74-45
Home Equity - 5 Yr5.177.183.754.926.232.99-26
Home Equity - 10 Yr5.296.503.755.276.302.99-1
Home Equity - 15 Yr5.516.543.755.637.002.9913
15 Yr Fixed4.0684.6253.2504.0914.3753.3752
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2324.8751.0004.3634.6253.87513
30 Yr Fixed4.4645.1253.7504.5684.7504.00010
1 Yr ARM3.5663.5003.5003.3043.7502.375-26
3/1 ARM3.4794.0001.0003.3794.8462.125-10
5/1 ARM3.7945.5002.5003.6084.7502.625-19
7/1 ARM3.8704.7722.8253.8444.7503.000-3
New RV - 60 Mo5.8810.603.504.828.001.79-106
Unsecured - 36 Mo8.5414.006.008.3112.904.99-23
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* Represents the difference in the average rate between banks and credit unions.