RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 202,906 financial institution locations in 19,513 markets across the United States as of 7/23/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.411.800.030.390.800.01-2
6 Mo CD - $10k0.522.000.030.831.850.0832
1 Yr CD - $10k0.912.250.071.462.350.3055
18 Mo CD - $10k0.802.320.071.492.680.1569
2 Yr CD - $10k1.112.500.101.632.500.3552
30 Mo CD - $10k1.082.550.101.682.550.3560
3 Yr CD - $10k1.232.600.151.812.600.2558
4 Yr CD - $10k1.342.670.302.082.730.6373
5 Yr CD - $10k1.632.750.402.423.290.3579
1 Mo CD - $100k0.281.650.010.240.270.20-4
2 Mo CD - $100k0.311.650.01    
3 Mo CD - $100k0.411.800.030.480.900.017
6 Mo CD - $100k0.522.000.030.881.850.0836
1 Yr CD - $100k0.912.250.071.602.350.3568
2 Yr CD - $100k1.132.500.101.702.500.3557
3 Yr CD - $100k1.242.600.151.872.600.2563
Interest Checking - $5k0.070.200.010.140.400.037
Liquid IRA Account0.181.050.020.622.250.0744
Money Market - $2.5k0.150.700.010.401.200.0125
Money Market - $10k0.180.700.030.431.200.0325
Money Market - $25k0.230.750.020.491.350.0525
Money Market - $50k0.260.850.030.551.550.0829
Money Market - $100k0.301.000.030.601.550.0830
Money Market - $250k0.361.300.030.611.550.0825
Regular Savings - $1k0.151.050.010.150.350.010
New Car - 36 Mo4.205.242.992.544.001.45-166
New Car - 48 Mo4.134.882.992.844.501.45-130
New Car - 60 Mo4.154.882.993.055.001.45-111
New Car - 72 Mo4.535.193.503.454.501.99-108
Used Car - 36 Mo4.505.503.502.874.591.80-163
Used Car - 48 Mo4.485.503.503.084.891.95-140
Used Car - 60 Mo4.525.403.693.285.001.95-123
Used Car - 72 Mo4.895.494.043.765.891.99-113
New Boat - 60 Mo7.4210.594.345.288.951.99-213
Rewards Credit Card14.4416.9911.4910.7413.656.99-371
Credit Card Platinum13.8124.989.759.9015.657.49-390
Credit Card Classic11.7515.7410.5012.6917.997.9995
Home Equity - LOC5.759.144.504.876.004.00-88
Home Equity - 5 Yr5.608.014.234.575.873.75-104
Home Equity - 10 Yr6.388.034.945.136.174.25-125
Home Equity - 15 Yr7.018.116.165.546.504.75-147
15 Yr Fixed4.2524.5003.6254.2094.6253.116-4
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.2444.6251.0004.5524.7503.37531
30 Yr Fixed4.6194.8754.0004.6785.0003.7616
1 Yr ARM3.8284.2502.8754.0724.9852.62524
3/1 ARM3.4234.5001.0003.8115.5002.25039
5/1 ARM4.1074.7913.1253.9554.8753.000-15
7/1 ARM4.1684.7503.2504.1105.0003.490-6
New RV - 60 Mo7.5810.594.505.429.501.99-217
Unsecured - 36 Mo10.0813.506.008.4712.155.85-161
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* Represents the difference in the average rate between banks and credit unions.