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 - $10k0.170.760.030.581.010.2041
6 Mo CD - $10k0.371.750.030.891.500.2053
1 Yr CD - $10k0.512.000.071.202.020.3069
18 Mo CD - $10k0.772.200.071.372.430.4060
2 Yr CD - $10k0.812.460.101.582.430.5577
30 Mo CD - $10k0.752.460.102.062.271.46131
3 Yr CD - $10k1.052.620.201.792.630.7574
4 Yr CD - $10k1.102.720.202.072.840.9098
5 Yr CD - $10k1.522.870.252.403.041.2088
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 - $5k0.060.200.010.110.350.025
Liquid IRA Account0.312.310.010.392.020.058
Money Market - $2.5k0.100.360.010.360.850.0526
Money Market - $10k0.151.100.010.390.850.0524
Money Market - $25k0.231.100.030.451.000.0922
Money Market - $50k0.291.100.030.521.050.1023
Money Market - $100k0.401.500.030.631.100.1022
Money Market - $250k0.442.000.030.681.700.1024
Regular Savings - $1k0.080.300.010.120.250.024
New Car - 36 Mo4.527.992.992.963.791.99-156
New Car - 48 Mo4.617.992.993.073.792.24-154
New Car - 60 Mo4.887.992.993.254.252.24-162
New Car - 72 Mo4.946.253.753.885.502.49-106
Used Car - 36 Mo5.068.992.993.084.041.99-198
Used Car - 48 Mo5.138.993.253.194.042.24-194
Used Car - 60 Mo5.118.213.503.374.252.24-174
Used Car - 72 Mo4.966.253.753.995.502.49-97
New Boat - 60 Mo6.3211.653.504.207.702.24-212
Rewards Credit Card15.0915.7411.4911.4316.906.90-366
Credit Card Platinum13.6714.7410.7410.2711.748.90-340
Credit Card Classic11.5011.5011.5011.2513.906.90-25
Home Equity - LOC5.6310.564.994.956.503.50-68
Home Equity - 5 Yr5.158.013.754.215.502.75-94
Home Equity - 10 Yr5.548.034.134.926.253.75-63
Home Equity - 15 Yr5.828.114.405.347.904.50-48
15 Yr Fixed4.6076.2504.1254.4345.3503.325-17
20 Yr Fixed4.8756.5003.8754.7285.7503.500-15
30 Yr Fixed4.9415.2504.5004.9426.2504.0000
1 Yr ARM4.3655.1253.3754.0974.6253.500-27
3/1 ARM3.7574.3752.9904.7194.8753.37596
5/1 ARM4.1354.8753.3754.4174.8753.50028
7/1 ARM4.3095.2503.3754.3774.7503.7507
New RV - 60 Mo6.6312.173.504.207.702.24-243
Unsecured - 36 Mo11.5516.007.498.8612.995.99-269
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* Represents the difference in the average rate between banks and credit unions.