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 - $10k0.482.000.030.521.060.205
6 Mo CD - $10k0.682.200.031.102.400.1542
1 Yr CD - $10k1.162.450.071.762.800.3060
18 Mo CD - $10k0.962.550.071.842.900.3588
2 Yr CD - $10k1.252.700.101.903.000.3565
30 Mo CD - $10k1.292.770.101.902.800.3561
3 Yr CD - $10k1.412.830.152.083.050.2566
4 Yr CD - $10k1.452.880.302.313.150.7086
5 Yr CD - $10k1.713.250.302.593.510.3588
1 Mo CD - $100k0.341.850.010.290.380.20-5
2 Mo CD - $100k0.391.850.01    
3 Mo CD - $100k0.482.000.030.701.160.4022
6 Mo CD - $100k0.692.200.031.212.400.1551
1 Yr CD - $100k1.212.700.071.892.800.3567
2 Yr CD - $100k1.272.700.102.063.000.3580
3 Yr CD - $100k1.412.830.152.213.250.2579
Interest Checking - $5k0.080.300.010.130.400.035
Liquid IRA Account0.241.300.020.672.710.0744
Money Market - $2.5k0.211.100.010.461.200.0525
Money Market - $10k0.312.000.020.501.200.0519
Money Market - $25k0.422.000.020.561.350.0514
Money Market - $50k0.482.000.020.631.550.1015
Money Market - $100k0.552.000.020.701.550.1015
Money Market - $250k0.602.000.020.721.550.1012
Regular Savings - $1k0.261.900.010.170.500.05-9
New Car - 36 Mo4.345.243.392.714.001.84-163
New Car - 48 Mo4.294.993.393.014.501.95-128
New Car - 60 Mo4.334.993.393.225.001.95-111
New Car - 72 Mo4.705.343.943.655.251.99-105
Used Car - 36 Mo4.675.503.643.094.991.84-157
Used Car - 48 Mo4.645.503.693.305.291.99-134
Used Car - 60 Mo4.615.403.693.505.291.99-111
Used Car - 72 Mo5.075.644.044.006.291.99-108
New Boat - 60 Mo7.4210.594.345.188.251.99-224
Rewards Credit Card14.0817.999.9911.0414.156.99-304
Credit Card Platinum14.1824.9810.2510.3715.907.50-381
Credit Card Classic12.4615.9911.0012.5317.997.996
Home Equity - LOC6.349.394.995.106.254.25-124
Home Equity - 5 Yr5.668.314.234.816.253.99-85
Home Equity - 10 Yr6.408.034.945.296.174.49-111
Home Equity - 15 Yr7.098.116.415.666.504.99-143
15 Yr Fixed4.4844.6253.8754.3954.7503.116-9
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.5375.0001.0004.7805.0003.37524
30 Yr Fixed4.9225.1254.5004.9035.2503.761-2
1 Yr ARM4.0854.3753.0004.2505.3722.62516
3/1 ARM3.8064.6251.0003.9835.5002.37518
5/1 ARM4.4675.0253.1254.2005.0043.125-27
7/1 ARM4.4744.9533.7504.2945.0003.490-18
New RV - 60 Mo7.6110.594.505.309.501.99-231
Unsecured - 36 Mo9.8213.506.008.6513.155.85-117
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* Represents the difference in the average rate between banks and credit unions.