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 - $10k0.160.550.030.420.600.2026
6 Mo CD - $10k0.321.250.030.641.100.2033
1 Yr CD - $10k0.451.950.070.942.020.3049
18 Mo CD - $10k0.461.710.071.122.430.4066
2 Yr CD - $10k0.652.020.101.272.430.5562
30 Mo CD - $10k0.682.070.101.672.101.1699
3 Yr CD - $10k0.851.860.201.512.430.7567
4 Yr CD - $10k0.992.050.201.792.430.9080
5 Yr CD - $10k1.392.170.252.102.631.2071
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.200.10    
6 Mo CD - $100k0.170.250.100.500.500.5033
1 Yr CD - $100k0.250.400.150.750.750.7550
2 Yr CD - $100k0.420.600.251.111.111.1169
3 Yr CD - $100k0.570.800.301.361.361.3679
Interest Checking - $5k0.050.150.010.090.250.024
Liquid IRA Account0.271.330.010.352.020.058
Money Market - $2.5k0.090.300.010.270.550.0518
Money Market - $10k0.141.100.010.300.550.0515
Money Market - $25k0.201.100.030.340.650.0915
Money Market - $50k0.241.100.030.390.700.1015
Money Market - $100k0.351.100.030.471.000.1012
Money Market - $250k0.371.110.030.501.000.1013
Regular Savings - $1k0.070.200.010.110.250.024
New Car - 36 Mo4.367.992.632.724.991.90-164
New Car - 48 Mo4.467.992.882.824.991.99-163
New Car - 60 Mo4.707.992.892.994.992.24-172
New Car - 72 Mo4.907.993.493.675.502.49-123
Used Car - 36 Mo4.898.992.992.845.491.90-204
Used Car - 48 Mo4.968.993.192.955.492.19-201
Used Car - 60 Mo4.968.213.193.125.492.24-184
Used Car - 72 Mo4.846.253.743.795.502.49-105
New Boat - 60 Mo6.2011.653.504.037.702.24-217
Rewards Credit Card13.4314.7411.2411.7716.906.90-166
Credit Card Platinum11.5113.4910.2410.1611.498.90-135
Credit Card Classic12.8714.2411.5011.2513.906.90-162
Home Equity - LOC5.259.394.004.606.003.50-65
Home Equity - 5 Yr5.028.013.884.176.252.75-85
Home Equity - 10 Yr5.328.033.884.976.253.65-35
Home Equity - 15 Yr5.598.114.205.427.904.49-17
15 Yr Fixed4.3295.2503.5004.2585.3503.325-7
20 Yr Fixed4.6605.5003.8754.6245.7503.875-4
30 Yr Fixed4.7325.5804.0004.8296.2504.12510
1 Yr ARM4.0504.8753.3753.8474.1253.500-20
3/1 ARM3.6553.8752.9904.1254.6253.25047
5/1 ARM3.8684.7823.3754.1064.5003.50024
7/1 ARM4.0785.0003.3754.3274.6253.75025
New RV - 60 Mo6.5912.173.504.037.702.24-256
Unsecured - 36 Mo11.4916.007.498.5612.995.49-293
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* Represents the difference in the average rate between banks and credit unions.