RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 213,544 financial institution locations in 19,531 markets across the United States as of 2/18/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.301.900.010.642.000.0534
6 Mo CD - $10k0.552.320.011.023.000.1047
1 Yr CD - $10k1.112.850.011.572.800.1045
18 Mo CD - $10k1.242.850.031.843.000.1559
2 Yr CD - $10k1.383.000.031.823.030.2044
30 Mo CD - $10k1.233.100.032.043.000.4081
39 mo bump up Certificate   2.552.552.55 
3 Yr CD - $10k1.533.250.032.063.190.3052
4 Yr CD - $10k1.613.500.032.243.240.5563
5 Yr CD - $10k1.824.000.032.443.301.0062
1 Mo CD - $100k0.191.250.010.420.900.1523
2 Mo CD - $100k0.170.700.010.380.950.2021
3 Mo CD - $100k0.311.900.010.702.000.1039
6 Mo CD - $100k0.532.320.011.143.000.1260
1 Yr CD - $100k1.062.850.011.662.750.1560
2 Yr CD - $100k1.282.900.031.943.000.4566
3 Yr CD - $100k1.352.850.032.173.100.7082
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 Account0.262.250.010.443.300.0418
Money Market - $2.5k0.252.250.010.422.000.0516
Money Market - $10k0.332.350.010.482.000.0515
Money Market - $25k0.462.350.010.572.000.0511
Money Market - $50k0.512.350.010.712.020.0520
Money Market - $100k0.582.400.010.832.020.0526
Money Market - $250k0.612.400.010.932.250.0532
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 - $1k0.214.000.010.192.050.01-2
New Car - 36 Mo5.018.742.493.114.951.99-191
New Car - 48 Mo5.089.252.753.335.001.99-174
New Car - 60 Mo5.209.752.753.445.101.99-175
New Car - 72 Mo4.848.742.993.825.591.99-102
Used Car - 36 Mo5.669.502.493.585.501.99-207
Used Car - 48 Mo5.649.502.753.755.501.99-189
Used Car - 60 Mo5.409.752.753.855.501.99-155
Used Car - 72 Mo4.916.753.254.166.291.99-75
New Boat - 60 Mo7.4112.004.495.608.992.75-181
Rewards Credit Card15.4220.499.9911.2614.506.50-416
Credit Card Platinum13.7024.9810.9910.1113.506.50-358
Credit Card Classic14.1820.499.4911.5217.156.95-267
Home Equity - LOC6.049.324.005.506.953.50-54
Home Equity - 5 Yr5.268.313.254.757.743.51-51
Home Equity - 10 Yr5.688.604.135.097.743.90-59
Home Equity - 15 Yr5.808.324.355.597.744.15-21
15 Yr Fixed4.4686.2503.4804.2345.7503.169-23
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.6996.5001.0004.5836.5003.875-12
30 Yr Fixed4.8287.1254.0644.7057.0004.025-12
1 Yr ARM3.9855.5003.0004.0345.7502.8005
3/1 ARM3.9245.6251.0004.0955.2502.37517
5/1 ARM4.0735.7503.1254.0315.0002.875-4
7/1 ARM4.2055.9903.2504.2015.5003.1250
New RV - 60 Mo7.5012.004.495.698.992.75-181
Unsecured - 36 Mo10.2916.752.509.2818.005.90-101
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* Represents the difference in the average rate between banks and credit unions.