RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.291.800.010.451.750.0516
6 Mo CD - $10k0.522.100.010.712.000.1020
1 Yr CD - $10k0.932.600.011.202.750.1027
18 Mo CD - $10k1.092.750.031.412.600.1532
2 Yr CD - $10k1.233.000.031.433.000.1620
30 Mo CD - $10k1.093.100.031.753.000.1666
39 mo bump up Certificate   2.552.552.55 
3 Yr CD - $10k1.363.150.101.653.030.2530
4 Yr CD - $10k1.463.300.031.833.000.3637
5 Yr CD - $10k1.693.400.032.143.250.5545
1 Mo CD - $100k0.161.250.010.340.800.1518
2 Mo CD - $100k0.140.500.010.350.900.1521
3 Mo CD - $100k0.271.800.010.491.750.1022
6 Mo CD - $100k0.512.100.010.782.000.1228
1 Yr CD - $100k0.822.450.011.292.550.1547
2 Yr CD - $100k1.152.750.031.543.000.3039
3 Yr CD - $100k1.202.790.101.772.700.4558
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 Account0.271.750.010.393.150.0313
Money Market - $2.5k0.211.650.010.362.000.0315
Money Market - $10k0.261.800.010.422.000.0316
Money Market - $25k0.321.800.010.492.000.0317
Money Market - $50k0.371.800.010.592.150.0321
Money Market - $100k0.421.800.010.712.150.0330
Money Market - $250k0.451.800.010.752.150.0330
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 - $1k0.181.900.010.191.750.011
New Car - 36 Mo4.888.742.492.914.791.99-198
New Car - 48 Mo4.959.252.493.124.791.99-183
New Car - 60 Mo5.079.752.493.244.941.99-183
New Car - 72 Mo4.608.742.493.645.341.99-96
Used Car - 36 Mo5.489.502.493.365.251.99-212
Used Car - 48 Mo5.499.502.753.525.251.99-197
Used Car - 60 Mo5.239.752.753.635.251.99-160
Used Car - 72 Mo4.606.752.993.985.891.99-62
New Boat - 60 Mo7.4112.004.005.518.992.74-191
Rewards Credit Card14.9617.749.9910.9714.156.00-399
Credit Card Platinum13.3424.9810.499.7413.006.50-359
Credit Card Classic13.8917.4010.2411.2416.906.95-265
Home Equity - LOC5.629.324.004.986.453.50-64
Home Equity - 5 Yr5.058.013.254.467.742.99-58
Home Equity - 10 Yr5.488.603.884.877.743.78-61
Home Equity - 15 Yr5.638.324.135.387.744.03-25
15 Yr Fixed4.4525.4203.3754.3735.5003.169-8
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.6295.7501.0004.6926.2503.6256
30 Yr Fixed4.7915.9903.8754.8256.7504.0253
1 Yr ARM4.0306.2003.0003.7265.6252.625-30
3/1 ARM3.7625.2501.0003.8745.2502.25011
5/1 ARM3.9865.5003.1254.0044.8503.0002
7/1 ARM4.1855.6253.2504.1834.8163.2500
New RV - 60 Mo7.5412.004.005.588.992.74-195
Unsecured - 36 Mo10.1516.752.509.1318.005.90-101
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* Represents the difference in the average rate between banks and credit unions.