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 - $10k0.241.600.010.371.390.0513
6 Mo CD - $10k0.411.700.010.501.650.109
1 Yr CD - $10k0.802.100.010.862.070.156
18 Mo CD - $10k0.862.150.011.002.530.2014
2 Yr CD - $10k1.072.200.011.072.330.250
30 Mo CD - $10k1.092.250.011.292.400.4020
3 Yr CD - $10k1.153.000.011.262.380.3511
4 Yr CD - $10k1.312.940.011.472.430.5017
5 Yr CD - $10k1.513.000.011.763.000.7525
1 Mo CD - $100k0.120.350.010.100.150.05-2
2 Mo CD - $100k0.140.500.01    
3 Mo CD - $100k0.231.600.010.310.700.058
6 Mo CD - $100k0.431.700.010.501.100.107
1 Yr CD - $100k0.821.900.010.891.850.238
2 Yr CD - $100k1.082.120.031.172.100.249
3 Yr CD - $100k1.192.500.031.412.400.6021
Interest Checking - $5k0.131.360.010.141.000.012
Liquid IRA Account0.231.810.010.372.140.0114
Money Market - $2.5k0.181.460.010.170.600.05-1
Money Market - $10k0.261.460.010.200.900.05-6
Money Market - $25k0.321.550.010.270.900.05-5
Money Market - $50k0.371.550.010.341.260.05-3
Money Market - $100k0.411.550.010.421.500.051
Money Market - $250k0.441.550.010.421.510.05-2
Regular Savings - $1k0.181.600.010.181.360.010
New Car - 36 Mo4.948.002.372.714.501.64-223
New Car - 48 Mo5.018.252.372.934.751.99-208
New Car - 60 Mo5.078.502.873.105.002.00-198
New Car - 72 Mo4.637.492.873.565.492.74-106
Used Car - 36 Mo5.698.502.993.074.501.99-262
Used Car - 48 Mo5.678.633.193.294.752.24-238
Used Car - 60 Mo5.299.243.193.455.002.24-184
Used Car - 72 Mo4.525.403.843.975.592.74-55
New Boat - 60 Mo7.6512.244.005.5610.502.74-209
Rewards Credit Card13.7217.249.9910.8015.246.99-291
Credit Card Platinum12.2422.9910.159.4012.906.49-283
Credit Card Classic13.7416.909.9911.1016.906.49-263
Home Equity - LOC5.118.643.754.717.003.41-41
Home Equity - 5 Yr4.358.013.064.797.742.8843
Home Equity - 10 Yr4.878.033.525.267.743.7538
Home Equity - 15 Yr5.178.113.775.667.744.4049
15 Yr Fixed4.0105.2503.1254.1064.1942.86010
10 Yr Fixed1.1111.0001.0004.3464.2254.225324
20 Yr Fixed4.2715.2501.0004.3934.5003.33712
30 Yr Fixed4.4995.5003.8754.5914.7503.5629
1 Yr ARM3.3425.5002.6253.5644.9272.50022
3/1 ARM3.5024.7501.0003.7745.1252.12527
5/1 ARM3.7484.8093.0003.7344.6222.875-1
7/1 ARM3.9434.7723.2503.9334.5543.125-1
New RV - 60 Mo7.3111.244.005.6410.502.74-167
Unsecured - 36 Mo11.2717.755.009.1113.255.24-216
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* Represents the difference in the average rate between banks and credit unions.