RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 202,906 financial institution locations in 19,513 markets across the United States as of 7/23/2018.

Sort by Product  / State

New York

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.281.800.010.431.360.0515
6 Mo CD - $10k0.472.020.010.641.850.1017
1 Yr CD - $10k0.872.400.011.082.400.1021
18 Mo CD - $10k1.042.500.031.282.450.1524
2 Yr CD - $10k1.182.850.031.292.650.1612
30 Mo CD - $10k1.073.000.031.533.000.1646
39 mo bump up Certificate   2.202.202.20 
3 Yr CD - $10k1.293.050.031.533.000.2523
4 Yr CD - $10k1.433.200.031.713.000.3628
5 Yr CD - $10k1.643.350.032.043.250.5540
1 Mo CD - $100k0.161.250.010.270.650.0511
2 Mo CD - $100k0.130.500.010.310.700.1518
3 Mo CD - $100k0.271.800.010.421.000.0515
6 Mo CD - $100k0.432.000.010.691.850.1026
1 Yr CD - $100k0.782.300.011.152.400.1537
2 Yr CD - $100k1.062.630.031.402.500.3033
3 Yr CD - $100k1.122.790.031.753.000.4563
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.110.900.010.121.000.011
Liquid IRA Account0.261.750.010.373.150.0311
Money Market - $2.5k0.201.500.010.311.500.0311
Money Market - $10k0.251.800.010.371.500.0312
Money Market - $25k0.321.800.010.431.500.0312
Money Market - $50k0.371.800.010.521.500.0315
Money Market - $100k0.421.800.010.611.700.0320
Money Market - $250k0.441.800.010.641.750.0320
Youth / Young Adult Savings (Balance up to $1,000)   4.004.004.00 
Youth / Young Adult Savings (Balance above $1,000)   0.350.350.35 
Regular Savings - $1k0.181.800.010.191.750.011
New Car - 36 Mo4.798.742.492.854.791.99-195
New Car - 48 Mo4.879.252.493.084.791.99-179
New Car - 60 Mo4.979.752.493.204.941.99-177
New Car - 72 Mo4.518.742.493.575.342.49-94
Used Car - 36 Mo5.369.502.493.315.001.99-205
Used Car - 48 Mo5.409.502.753.495.001.99-191
Used Car - 60 Mo5.129.752.753.615.001.99-152
Used Car - 72 Mo4.556.752.993.955.891.99-60
New Boat - 60 Mo7.3912.004.005.568.992.74-182
Rewards Credit Card14.6317.748.7410.9115.495.75-372
Credit Card Platinum13.0224.9810.249.7313.006.50-329
Credit Card Classic13.6217.4010.2411.1916.906.95-243
Home Equity - LOC5.499.144.004.926.453.50-58
Home Equity - 5 Yr4.988.013.254.447.742.99-53
Home Equity - 10 Yr5.438.033.884.877.743.78-56
Home Equity - 15 Yr5.588.324.135.387.744.03-21
15 Yr Fixed4.3635.4203.3754.3375.2503.169-3
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.5945.7501.0004.6166.0003.6252
30 Yr Fixed4.7375.9903.8754.7626.5004.0252
1 Yr ARM3.8616.0002.8753.6045.5002.625-26
3/1 ARM3.6255.5001.0003.7995.2502.25017
5/1 ARM3.9115.7503.0003.9994.6372.8759
7/1 ARM4.0865.8753.1254.1724.6253.1259
New RV - 60 Mo7.4712.004.005.648.992.74-183
Unsecured - 36 Mo10.1216.752.509.0118.005.90-111
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2018 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.