RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 199,754 financial institution locations in 19,508 markets across the United States as of 5/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.251.600.010.371.390.0512
6 Mo CD - $10k0.431.700.010.521.750.108
1 Yr CD - $10k0.852.200.010.882.120.154
18 Mo CD - $10k0.962.400.011.022.320.207
2 Yr CD - $10k1.192.400.011.102.330.25-9
30 Mo CD - $10k1.092.500.011.372.550.4028
3 Yr CD - $10k1.213.000.031.282.430.357
4 Yr CD - $10k1.382.940.051.492.480.5011
5 Yr CD - $10k1.563.000.031.833.000.7528
1 Mo CD - $100k0.161.250.010.100.150.05-6
2 Mo CD - $100k0.130.500.01    
3 Mo CD - $100k0.241.600.010.310.700.057
6 Mo CD - $100k0.461.700.010.501.100.104
1 Yr CD - $100k0.842.050.010.941.920.239
2 Yr CD - $100k1.162.400.031.212.100.414
3 Yr CD - $100k1.242.550.031.422.400.6019
Interest Checking - $5k0.131.360.010.141.000.011
Liquid IRA Account0.211.810.010.372.140.0117
Money Market - $2.5k0.171.460.010.180.600.051
Money Market - $10k0.261.800.010.231.000.05-3
Money Market - $25k0.331.800.010.301.100.05-3
Money Market - $50k0.381.800.010.361.260.05-2
Money Market - $100k0.421.800.010.451.500.053
Money Market - $250k0.451.800.010.451.510.050
Regular Savings - $1k0.171.700.010.201.510.013
New Car - 36 Mo4.998.002.372.794.501.64-221
New Car - 48 Mo5.068.252.373.024.751.99-204
New Car - 60 Mo5.178.502.873.205.002.24-197
New Car - 72 Mo4.757.492.873.625.492.74-113
Used Car - 36 Mo5.798.502.993.144.501.99-265
Used Car - 48 Mo5.748.633.373.364.752.24-238
Used Car - 60 Mo5.379.243.373.525.002.24-185
Used Car - 72 Mo4.575.403.843.985.592.74-59
New Boat - 60 Mo7.6512.244.005.6210.502.74-204
Rewards Credit Card13.7617.249.9910.9315.246.99-282
Credit Card Platinum12.2119.9910.249.4712.906.49-274
Credit Card Classic13.7716.909.9911.2917.406.49-248
Home Equity - LOC5.269.143.754.797.003.75-46
Home Equity - 5 Yr4.418.013.064.847.743.1243
Home Equity - 10 Yr4.928.033.525.287.743.7535
Home Equity - 15 Yr5.238.113.775.677.744.4044
15 Yr Fixed4.1145.2503.1254.2564.5002.86014
10 Yr Fixed1.1111.0001.0004.3464.2254.225324
20 Yr Fixed4.3765.2501.0004.5524.7503.33718
30 Yr Fixed4.5885.7503.8754.7185.0003.56213
1 Yr ARM3.3675.5002.5003.6414.9852.62527
3/1 ARM3.5625.0001.0003.8335.3752.12527
5/1 ARM3.8044.7913.0003.8264.6802.8752
7/1 ARM4.0154.7553.2504.0574.7503.1254
New RV - 60 Mo7.3111.244.005.6910.502.74-161
Unsecured - 36 Mo11.2917.755.008.9913.255.24-230
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* Represents the difference in the average rate between banks and credit unions.