RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 199,754 financial institution locations in 19,508 markets across the United States as of 5/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.321.700.030.350.650.013
6 Mo CD - $10k0.451.850.030.721.750.0827
1 Yr CD - $10k0.842.050.071.182.120.2535
18 Mo CD - $10k0.712.130.071.252.250.1553
2 Yr CD - $10k1.072.250.101.402.410.3534
30 Mo CD - $10k0.902.330.101.632.550.3574
3 Yr CD - $10k1.152.450.151.582.540.2543
4 Yr CD - $10k1.292.550.301.822.590.6353
5 Yr CD - $10k1.582.750.402.153.000.3557
1 Mo CD - $100k0.211.500.010.240.270.202
2 Mo CD - $100k0.211.500.01    
3 Mo CD - $100k0.321.700.030.420.750.0111
6 Mo CD - $100k0.461.850.030.751.750.0829
1 Yr CD - $100k0.832.050.071.312.120.3548
2 Yr CD - $100k1.082.250.101.532.330.3545
3 Yr CD - $100k1.162.450.151.732.430.2557
Interest Checking - $5k0.070.200.010.130.400.037
Liquid IRA Account0.181.050.020.552.070.0736
Money Market - $2.5k0.150.700.010.381.200.0123
Money Market - $10k0.180.700.030.411.200.0323
Money Market - $25k0.230.750.020.461.350.0523
Money Market - $50k0.260.850.030.521.550.0826
Money Market - $100k0.301.000.030.561.550.0826
Money Market - $250k0.351.300.030.581.550.0823
Regular Savings - $1k0.151.050.010.140.350.01-1
New Car - 36 Mo4.085.242.992.464.001.45-162
New Car - 48 Mo4.024.882.992.734.501.45-128
New Car - 60 Mo4.044.882.992.925.001.45-111
New Car - 72 Mo4.445.123.493.364.501.99-108
Used Car - 36 Mo4.415.503.342.804.501.65-162
Used Car - 48 Mo4.405.503.443.004.591.90-140
Used Car - 60 Mo4.425.403.543.185.001.95-125
Used Car - 72 Mo4.815.343.743.645.591.99-118
New Boat - 60 Mo7.3710.594.345.228.951.99-215
Rewards Credit Card13.9816.9911.4910.6313.656.99-335
Credit Card Platinum13.0219.999.509.8915.407.49-312
Credit Card Classic12.0015.4910.5012.6717.997.9967
Home Equity - LOC5.749.144.494.665.753.75-108
Home Equity - 5 Yr5.919.144.234.435.871.99-148
Home Equity - 10 Yr6.629.144.944.976.172.99-165
Home Equity - 15 Yr7.319.146.165.596.505.00-172
15 Yr Fixed4.3415.2503.6254.1714.6253.116-17
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.2494.6491.0004.5264.6253.37528
30 Yr Fixed4.6544.8754.0004.6125.0003.761-4
1 Yr ARM3.8694.2503.0003.7584.9852.625-11
3/1 ARM3.4824.5001.0003.5914.8712.12511
5/1 ARM4.1684.8753.1253.8114.6802.875-36
7/1 ARM4.2335.0003.2504.0094.7503.125-22
New RV - 60 Mo7.5410.594.505.399.501.99-215
Unsecured - 36 Mo10.2113.506.008.4612.155.85-175
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* Represents the difference in the average rate between banks and credit unions.