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 - $10k0.281.900.010.411.400.0513
6 Mo CD - $10k0.502.100.010.602.000.1010
1 Yr CD - $10k0.952.630.011.122.750.1517
18 Mo CD - $10k1.102.790.031.212.530.2011
2 Yr CD - $10k1.282.940.031.313.000.253
30 Mo CD - $10k1.222.800.031.583.000.4036
3 Yr CD - $10k1.313.250.101.463.040.3515
4 Yr CD - $10k1.433.560.031.653.050.5021
5 Yr CD - $10k1.603.150.031.883.100.6029
1 Mo CD - $100k0.181.250.010.150.150.15-3
2 Mo CD - $100k0.201.000.01    
3 Mo CD - $100k0.281.900.010.381.110.1010
6 Mo CD - $100k0.552.100.010.651.500.139
1 Yr CD - $100k0.932.450.011.322.500.2339
2 Yr CD - $100k1.332.750.031.613.000.4128
3 Yr CD - $100k1.332.750.101.662.700.6034
Interest Checking - $5k0.141.710.010.151.000.011
Liquid IRA Account0.222.680.010.412.350.0119
Money Market - $2.5k0.191.820.010.220.750.053
Money Market - $10k0.271.820.010.322.100.055
Money Market - $25k0.341.910.010.412.100.057
Money Market - $50k0.391.910.010.472.100.058
Money Market - $100k0.451.910.010.602.100.0514
Money Market - $250k0.481.910.010.612.100.0513
Regular Savings - $1k0.181.920.010.231.750.015
New Car - 36 Mo5.058.002.872.924.501.75-213
New Car - 48 Mo5.128.252.873.204.751.99-191
New Car - 60 Mo5.238.502.993.385.001.99-184
New Car - 72 Mo4.887.493.373.815.492.74-107
Used Car - 36 Mo5.838.502.993.274.741.99-256
Used Car - 48 Mo5.798.503.243.514.991.99-228
Used Car - 60 Mo5.288.003.243.695.241.99-159
Used Car - 72 Mo4.755.503.844.155.892.74-59
New Boat - 60 Mo7.7112.244.005.7210.502.75-199
Rewards Credit Card14.7717.749.9911.1815.746.99-359
Credit Card Platinum13.6124.9810.499.5413.746.74-407
Credit Card Classic13.8116.909.9911.5017.406.74-231
Home Equity - LOC5.589.144.005.017.003.88-56
Home Equity - 5 Yr4.448.013.064.847.743.1240
Home Equity - 10 Yr4.958.033.525.297.754.0034
Home Equity - 15 Yr5.258.113.775.637.744.4937
15 Yr Fixed4.1984.7503.1254.3844.6252.86019
10 Yr Fixed1.1101.0001.0004.4714.3504.350336
20 Yr Fixed4.4605.2501.0004.6895.0003.33723
30 Yr Fixed4.6475.7503.8754.8115.1003.56216
1 Yr ARM3.6885.5002.5003.9195.1223.00023
3/1 ARM3.7285.5001.0003.9145.2502.25019
5/1 ARM3.9664.8872.8753.9884.8503.0002
7/1 ARM4.1595.0003.2504.1994.8113.3264
New RV - 60 Mo7.3511.244.005.7910.502.75-157
Unsecured - 36 Mo11.3216.755.999.0413.255.24-228
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* Represents the difference in the average rate between banks and credit unions.