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 - $10k0.251.600.010.391.360.0514
6 Mo CD - $10k0.401.700.010.541.650.1014
1 Yr CD - $10k0.752.100.010.862.070.1011
18 Mo CD - $10k0.832.250.031.132.530.1530
2 Yr CD - $10k0.982.500.031.122.330.1614
30 Mo CD - $10k0.892.600.031.372.500.1649
39 mo bump up Certificate   2.102.102.10 
3 Yr CD - $10k1.152.750.051.373.000.2222
4 Yr CD - $10k1.272.940.101.572.530.3630
5 Yr CD - $10k1.523.000.031.903.050.5538
1 Mo CD - $100k0.120.350.010.230.650.0512
2 Mo CD - $100k0.110.300.010.330.700.1522
3 Mo CD - $100k0.241.600.010.350.750.0512
6 Mo CD - $100k0.381.700.010.541.650.1016
1 Yr CD - $100k0.682.000.010.852.070.1517
2 Yr CD - $100k0.932.250.031.142.330.2421
3 Yr CD - $100k1.002.500.031.422.400.4542
Youth Checking / Student Checking   0.100.100.10 
Young Adult Checking   1.001.001.00 
Interest Checking - $5k0.111.200.010.121.000.011
Liquid IRA Account0.261.000.010.353.150.0310
Money Market - $2.5k0.171.250.010.261.500.039
Money Market - $10k0.221.250.010.321.500.0310
Money Market - $25k0.281.550.010.371.500.039
Money Market - $50k0.331.550.010.451.500.0313
Money Market - $100k0.361.550.010.521.500.0316
Money Market - $250k0.391.550.010.551.750.0315
Youth / Young Adult Savings (Balance up to $1,000)   3.003.003.00 
Youth / Young Adult Savings (Balance above $1,000)   0.350.350.35 
Regular Savings - $1k0.161.600.010.161.360.011
New Car - 36 Mo4.648.742.372.714.291.70-193
New Car - 48 Mo4.739.252.372.904.501.95-183
New Car - 60 Mo4.839.752.493.024.501.95-181
New Car - 72 Mo4.378.742.493.404.501.99-97
Used Car - 36 Mo5.289.502.493.175.241.70-211
Used Car - 48 Mo5.329.502.503.335.241.99-199
Used Car - 60 Mo5.039.752.753.435.241.99-160
Used Car - 72 Mo4.366.492.993.815.591.99-55
New Boat - 60 Mo7.1812.004.005.518.992.74-167
Rewards Credit Card13.9817.498.7410.8615.247.50-312
Credit Card Platinum12.2122.9910.159.5612.756.25-265
Credit Card Classic13.6917.4010.2411.1316.906.95-256
Home Equity - LOC5.298.644.004.676.202.99-62
Home Equity - 5 Yr4.878.013.154.377.742.88-49
Home Equity - 10 Yr5.298.193.744.797.743.58-51
Home Equity - 15 Yr5.378.113.995.307.743.83-7
15 Yr Fixed4.2305.3753.3754.1874.8903.150-4
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.4425.7501.0004.4545.3903.7001
30 Yr Fixed4.6566.5003.8754.6105.0004.000-5
1 Yr ARM3.6316.0002.1253.5185.1252.250-11
3/1 ARM3.6155.2501.0003.6835.1252.1257
5/1 ARM3.8275.5002.8753.7554.6402.500-7
7/1 ARM3.9985.7503.0003.9244.6002.875-7
New RV - 60 Mo7.1712.004.005.608.992.74-157
Unsecured - 36 Mo10.0017.752.508.9218.005.90-108
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* Represents the difference in the average rate between banks and credit unions.