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 - $10k0.201.000.010.641.000.4045
6 Mo CD - $10k0.291.500.010.981.500.5069
1 Yr CD - $10k0.542.000.031.422.500.6087
18 Mo CD - $10k0.872.400.031.762.501.0089
2 Yr CD - $10k0.852.550.031.862.601.00101
30 Mo CD - $10k1.183.030.032.253.001.16107
3 Yr CD - $10k1.113.040.102.002.751.2589
4 Yr CD - $10k1.223.040.032.163.001.5094
5 Yr CD - $10k1.443.040.032.663.301.75122
1 Mo CD - $100k0.180.300.05    
2 Mo CD - $100k0.230.300.10    
3 Mo CD - $100k0.210.400.050.750.750.7554
6 Mo CD - $100k0.270.500.051.151.500.7588
1 Yr CD - $100k0.601.300.101.812.501.00121
2 Yr CD - $100k0.882.000.202.092.601.36120
3 Yr CD - $100k1.203.000.302.312.751.55111
Interest Checking - $5k0.050.650.010.070.150.012
Liquid IRA Account0.170.700.020.460.900.1029
Money Market - $2.5k0.131.750.010.340.900.0520
Money Market - $10k0.201.750.010.440.900.2024
Money Market - $25k0.251.750.010.521.000.2028
Money Market - $50k0.301.750.010.581.000.3028
Money Market - $100k0.442.000.010.761.250.3032
Money Market - $250k0.472.000.010.801.250.4534
Regular Savings - $1k0.070.250.010.160.500.059
New Car - 36 Mo5.109.003.293.655.992.24-145
New Car - 48 Mo5.199.003.293.806.492.24-139
New Car - 60 Mo5.289.003.293.856.992.24-143
New Car - 72 Mo5.026.274.254.477.493.44-55
Used Car - 36 Mo5.7910.003.493.675.492.24-212
Used Car - 48 Mo5.7410.003.493.846.492.24-190
Used Car - 60 Mo5.6010.003.493.896.992.24-171
Used Car - 72 Mo6.166.276.044.487.493.44-168
New Boat - 60 Mo7.8313.255.995.727.743.24-211
Rewards Credit Card14.5116.9910.9912.2917.498.65-223
Credit Card Platinum12.8714.7410.7410.3411.748.65-253
Credit Card Classic   12.1412.9911.90 
Home Equity - LOC5.508.444.504.775.003.49-72
Home Equity - 5 Yr4.838.013.494.396.072.99-44
Home Equity - 10 Yr5.218.033.995.006.643.49-21
Home Equity - 15 Yr5.498.114.295.527.173.993
15 Yr Fixed4.4264.8753.3754.3734.6254.000-5
20 Yr Fixed4.7385.2504.1254.6704.8754.250-7
30 Yr Fixed4.8685.3754.3754.8425.1254.500-3
1 Yr ARM3.2644.5002.5453.8074.6253.12554
3/1 ARM3.7595.5002.7503.6364.9192.875-12
5/1 ARM3.9635.5002.9503.9934.7503.3753
7/1 ARM4.1775.1253.3504.2355.0003.6256
New RV - 60 Mo7.8413.255.995.788.003.24-206
Unsecured - 36 Mo11.5816.665.999.2511.697.99-233
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* Represents the difference in the average rate between banks and credit unions.