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 - $10k0.321.910.010.511.300.0518
6 Mo CD - $10k0.472.070.010.802.000.0533
1 Yr CD - $10k0.812.450.011.162.600.1034
18 Mo CD - $10k0.912.750.051.352.750.1044
2 Yr CD - $10k1.052.750.101.412.800.2036
30 Mo CD - $10k1.003.000.101.232.000.2022
3 Yr CD - $10k1.192.750.151.622.850.3043
4 Yr CD - $10k1.292.850.201.792.950.3051
5 Yr CD - $10k1.473.250.202.003.050.5053
1 Mo CD - $100k0.170.750.010.050.050.05-12
2 Mo CD - $100k0.190.750.01    
3 Mo CD - $100k0.291.000.010.591.110.0530
6 Mo CD - $100k0.431.500.010.922.000.1349
1 Yr CD - $100k0.782.450.011.392.450.2361
2 Yr CD - $100k1.002.700.101.652.650.4165
3 Yr CD - $100k1.132.750.151.842.700.6071
Interest Checking - $5k0.140.850.010.120.400.01-2
Liquid IRA Account0.272.020.010.532.350.0326
Money Market - $2.5k0.221.560.010.300.750.038
Money Market - $10k0.261.850.010.370.750.0311
Money Market - $25k0.311.850.010.441.450.0313
Money Market - $50k0.371.850.010.491.550.0511
Money Market - $100k0.452.120.010.571.950.0811
Money Market - $250k0.502.120.010.582.010.108
Regular Savings - $1k0.201.850.010.191.760.03-1
New Car - 36 Mo4.809.002.302.914.901.74-189
New Car - 48 Mo4.889.002.453.064.901.74-182
New Car - 60 Mo4.959.002.453.184.901.74-177
New Car - 72 Mo4.377.152.553.544.902.24-84
Used Car - 36 Mo5.3810.252.493.175.901.74-221
Used Car - 48 Mo5.4410.252.743.275.901.74-216
Used Car - 60 Mo5.039.503.003.425.901.74-161
Used Car - 72 Mo4.406.003.243.855.892.24-55
New Boat - 60 Mo5.9410.603.504.988.002.25-96
Rewards Credit Card14.1017.747.9911.0315.747.90-307
Credit Card Platinum13.2217.247.9010.1014.146.74-312
Credit Card Classic13.4517.908.9912.0318.006.74-142
Home Equity - LOC5.428.824.504.956.504.00-47
Home Equity - 5 Yr5.187.183.754.986.253.49-20
Home Equity - 10 Yr5.607.433.755.396.643.99-21
Home Equity - 15 Yr5.697.563.755.697.173.99-1
15 Yr Fixed4.2384.7503.5004.3525.0003.37511
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.3995.1251.0004.6554.8753.87526
30 Yr Fixed4.6435.2503.7504.7875.0004.12514
1 Yr ARM3.8163.7503.7503.5574.2502.375-26
3/1 ARM3.6875.5001.0003.7795.0002.2509
5/1 ARM3.9415.5002.5003.9434.6532.7500
7/1 ARM4.0615.0002.8254.2074.7503.50015
New RV - 60 Mo5.9510.603.505.008.002.25-95
Unsecured - 36 Mo8.3112.964.508.4312.905.2412
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* Represents the difference in the average rate between banks and credit unions.