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 - $10k0.301.900.010.572.000.0527
6 Mo CD - $10k0.562.200.010.842.400.1028
1 Yr CD - $10k1.062.750.011.382.800.1032
18 Mo CD - $10k1.242.900.031.642.900.1541
2 Yr CD - $10k1.343.000.031.663.000.1632
30 Mo CD - $10k1.283.100.032.043.150.1675
39 mo bump up Certificate   2.552.552.55 
3 Yr CD - $10k1.503.300.031.913.100.3041
4 Yr CD - $10k1.593.500.032.063.150.3647
5 Yr CD - $10k1.834.000.032.333.500.5550
1 Mo CD - $100k0.181.250.010.380.800.1520
2 Mo CD - $100k0.171.050.010.350.900.1518
3 Mo CD - $100k0.281.900.010.602.000.1032
6 Mo CD - $100k0.542.150.010.922.400.1238
1 Yr CD - $100k0.962.700.011.472.800.1551
2 Yr CD - $100k1.222.850.031.803.000.3058
3 Yr CD - $100k1.342.880.031.973.250.4563
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.120.900.010.121.000.010
Liquid IRA Account0.272.250.010.393.300.0312
Money Market - $2.5k0.252.250.010.412.150.0315
Money Market - $10k0.332.270.010.462.150.0314
Money Market - $25k0.422.270.010.532.150.0311
Money Market - $50k0.482.270.010.662.300.0317
Money Market - $100k0.552.400.010.792.300.0325
Money Market - $250k0.582.400.010.842.300.0326
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 - $1k0.224.000.010.201.970.01-3
New Car - 36 Mo4.978.742.493.024.901.99-196
New Car - 48 Mo5.049.252.753.244.951.99-179
New Car - 60 Mo5.169.752.753.375.051.99-179
New Car - 72 Mo4.748.742.993.725.341.99-102
Used Car - 36 Mo5.609.502.493.485.251.99-212
Used Car - 48 Mo5.619.502.753.645.291.99-197
Used Car - 60 Mo5.359.752.753.755.291.99-160
Used Car - 72 Mo4.736.753.254.076.291.99-66
New Boat - 60 Mo7.3412.004.495.598.992.74-176
Rewards Credit Card15.2620.499.9911.1314.256.25-413
Credit Card Platinum13.5924.9810.999.9413.256.50-365
Credit Card Classic14.1220.499.4911.3316.906.95-279
Home Equity - LOC5.799.394.005.256.703.50-54
Home Equity - 5 Yr5.188.313.254.687.742.99-50
Home Equity - 10 Yr5.638.604.005.047.743.78-59
Home Equity - 15 Yr5.758.324.255.567.744.03-20
15 Yr Fixed4.6345.5633.3754.5845.7503.169-5
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.8295.7501.0004.8886.5003.8756
30 Yr Fixed5.0006.3093.8755.0417.0004.0254
1 Yr ARM3.9785.5003.0003.9765.8752.8000
3/1 ARM3.9295.7501.0004.0875.5002.37516
5/1 ARM4.1295.9903.1254.1535.0043.0002
7/1 ARM4.3246.1253.2504.3265.5003.3500
New RV - 60 Mo7.5012.004.495.668.992.74-184
Unsecured - 36 Mo10.2016.752.509.1718.005.49-102
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* Represents the difference in the average rate between banks and credit unions.