RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 209,922 financial institution locations in 19,522 markets across the United States as of 12/11/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.200.870.030.661.010.2046
6 Mo CD - $10k0.381.750.031.051.750.2066
1 Yr CD - $10k0.542.200.071.402.530.3086
18 Mo CD - $10k0.852.670.071.533.040.4068
2 Yr CD - $10k0.872.930.101.823.090.5595
30 Mo CD - $10k1.082.930.102.293.001.56121
3 Yr CD - $10k1.123.040.202.083.090.7596
4 Yr CD - $10k1.153.090.202.393.820.90124
5 Yr CD - $10k1.563.140.252.643.351.20108
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.200.10    
6 Mo CD - $100k0.170.250.100.750.750.7558
1 Yr CD - $100k0.250.400.151.001.001.0075
2 Yr CD - $100k0.420.600.251.361.361.3694
3 Yr CD - $100k0.570.800.301.611.611.61104
Interest Checking - $5k0.060.250.010.110.400.025
Liquid IRA Account0.332.570.010.442.020.0511
Money Market - $2.5k0.100.360.010.471.500.0537
Money Market - $10k0.161.100.010.521.500.0535
Money Market - $25k0.231.100.030.581.500.0935
Money Market - $50k0.311.100.030.641.500.1033
Money Market - $100k0.461.500.030.741.500.1028
Money Market - $250k0.502.000.030.791.700.1029
Regular Savings - $1k0.080.300.010.130.300.025
New Car - 36 Mo4.577.992.993.124.751.99-145
New Car - 48 Mo4.657.993.253.274.752.25-139
New Car - 60 Mo4.917.993.443.454.902.25-146
New Car - 72 Mo4.956.253.754.025.252.75-93
Used Car - 36 Mo5.128.992.993.224.751.99-190
Used Car - 48 Mo5.198.993.253.374.752.49-182
Used Car - 60 Mo5.188.213.503.564.902.74-163
Used Car - 72 Mo4.966.253.754.135.252.75-84
New Boat - 60 Mo6.3911.653.504.387.702.74-200
Rewards Credit Card15.3315.9911.9911.4616.906.90-387
Credit Card Platinum13.8814.9910.9910.3211.998.90-356
Credit Card Classic11.5011.5011.5011.2513.906.90-25
Home Equity - LOC5.809.865.005.106.753.50-70
Home Equity - 5 Yr5.338.314.134.345.502.75-99
Home Equity - 10 Yr5.698.034.135.046.303.75-64
Home Equity - 15 Yr5.928.114.405.467.904.74-46
15 Yr Fixed4.6995.7504.1064.6155.5003.875-8
20 Yr Fixed5.0256.1254.5004.9055.7504.000-12
30 Yr Fixed5.0775.6254.5845.1116.2504.1253
1 Yr ARM4.5855.3753.6254.5984.8754.2501
3/1 ARM3.9934.6253.6005.1665.3753.890117
5/1 ARM4.3124.9323.7504.6034.7503.62529
7/1 ARM4.5455.2503.8754.5775.0003.8753
New RV - 60 Mo6.6812.173.504.417.702.74-228
Unsecured - 36 Mo11.5416.007.248.9912.995.99-256
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* Represents the difference in the average rate between banks and credit unions.