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 - $10k0.381.910.010.551.800.0517
6 Mo CD - $10k0.562.070.010.882.400.0533
1 Yr CD - $10k0.942.750.011.252.800.1031
18 Mo CD - $10k1.042.900.051.483.000.1044
2 Yr CD - $10k1.183.050.101.503.050.2032
30 Mo CD - $10k1.143.000.101.433.000.2029
3 Yr CD - $10k1.343.150.151.733.200.3039
4 Yr CD - $10k1.443.350.201.903.250.3047
5 Yr CD - $10k1.603.500.202.113.500.5051
1 Mo CD - $100k0.170.750.010.050.050.05-12
2 Mo CD - $100k0.200.750.01    
3 Mo CD - $100k0.331.900.010.671.110.0534
6 Mo CD - $100k0.532.010.011.032.400.1350
1 Yr CD - $100k0.952.650.011.532.800.2358
2 Yr CD - $100k1.203.050.101.763.000.4156
3 Yr CD - $100k1.333.150.151.973.050.6065
Interest Checking - $5k0.152.000.010.120.450.01-3
Liquid IRA Account0.332.020.010.572.710.0325
Money Market - $2.5k0.251.750.010.340.850.039
Money Market - $10k0.291.750.010.410.900.0312
Money Market - $25k0.352.010.010.491.700.0314
Money Market - $50k0.422.010.010.541.800.0512
Money Market - $100k0.512.120.010.622.200.0811
Money Market - $250k0.582.120.010.642.250.107
Regular Savings - $1k0.212.050.010.202.020.03-1
New Car - 36 Mo4.949.002.303.044.901.74-190
New Car - 48 Mo5.049.002.453.204.901.74-184
New Car - 60 Mo5.079.002.453.314.901.74-177
New Car - 72 Mo4.507.152.553.684.902.24-82
Used Car - 36 Mo5.5210.252.493.305.901.74-221
Used Car - 48 Mo5.5510.252.753.415.901.74-214
Used Car - 60 Mo5.209.503.003.535.901.74-166
Used Car - 72 Mo4.657.753.253.966.292.24-68
New Boat - 60 Mo6.1610.603.755.108.252.49-106
Rewards Credit Card14.3817.997.9911.2215.997.90-317
Credit Card Platinum13.4016.997.9010.2814.416.90-312
Credit Card Classic13.9418.009.2412.0918.006.99-185
Home Equity - LOC5.659.074.755.206.504.25-46
Home Equity - 5 Yr5.227.183.755.206.504.00-2
Home Equity - 10 Yr5.637.433.755.646.754.241
Home Equity - 15 Yr5.757.563.755.887.254.2413
15 Yr Fixed4.4804.9453.5004.5515.2503.6657
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.6855.2501.0004.8435.1254.09216
30 Yr Fixed4.9265.2504.2504.9855.2504.3026
1 Yr ARM3.8163.7503.7503.8114.7502.3750
3/1 ARM3.9375.5001.0004.0635.5002.37513
5/1 ARM4.2075.4553.0004.1964.7503.125-1
7/1 ARM4.2945.7503.2504.3544.8753.5006
New RV - 60 Mo6.2610.604.005.138.092.49-113
Unsecured - 36 Mo8.3412.964.508.4212.905.248
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* Represents the difference in the average rate between banks and credit unions.