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 - $10k0.301.900.010.461.750.1017
6 Mo CD - $10k0.552.500.010.742.250.1519
1 Yr CD - $10k0.812.550.071.242.750.1543
18 Mo CD - $10k1.232.800.031.563.050.2533
2 Yr CD - $10k1.233.000.031.613.000.5037
30 Mo CD - $10k1.523.300.031.733.000.8022
3 Yr CD - $10k1.433.040.031.753.100.5532
4 Yr CD - $10k1.553.040.031.973.401.0042
5 Yr CD - $10k1.863.230.032.173.251.1031
1 Mo CD - $100k0.130.400.03    
2 Mo CD - $100k0.140.400.03    
3 Mo CD - $100k0.321.900.030.440.950.1512
6 Mo CD - $100k0.512.300.030.942.020.2543
1 Yr CD - $100k0.822.550.071.482.750.5066
2 Yr CD - $100k1.262.750.101.762.530.6050
3 Yr CD - $100k1.553.000.201.982.751.0443
Interest Checking - $5k0.080.500.010.141.250.016
Liquid IRA Account0.192.000.010.351.970.0216
Money Market - $2.5k0.232.230.010.281.260.055
Money Market - $10k0.282.230.010.351.260.056
Money Market - $25k0.392.230.010.522.000.0513
Money Market - $50k0.482.230.010.632.020.1015
Money Market - $100k0.592.230.010.742.020.1515
Money Market - $250k0.642.450.010.742.020.159
Regular Savings - $1k0.224.000.010.151.970.01-7
New Car - 36 Mo4.518.002.743.445.741.75-108
New Car - 48 Mo4.598.502.743.525.741.75-108
New Car - 60 Mo4.688.502.993.655.742.49-104
New Car - 72 Mo4.656.613.134.105.992.74-55
Used Car - 36 Mo5.089.502.493.615.892.24-147
Used Car - 48 Mo5.149.502.593.675.891.75-146
Used Car - 60 Mo4.858.992.653.815.892.74-104
Used Car - 72 Mo4.676.492.994.256.391.75-42
New Boat - 60 Mo7.6113.255.006.5510.242.99-105
Rewards Credit Card15.3717.9911.1512.6315.998.49-274
Credit Card Platinum13.3816.9910.2411.6914.907.99-169
Credit Card Classic12.9717.9010.2411.2713.908.24-170
Home Equity - LOC5.309.574.505.036.254.25-28
Home Equity - 5 Yr4.838.312.754.386.493.12-45
Home Equity - 10 Yr5.228.033.504.826.753.75-40
Home Equity - 15 Yr5.498.113.815.207.254.25-29
15 Yr Fixed4.4844.7503.3754.5054.7503.7502
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.7655.0004.0004.7815.2503.2502
30 Yr Fixed4.9425.2503.8754.9865.5004.2504
1 Yr ARM3.3654.5002.5003.7674.5002.75040
3/1 ARM3.7534.6251.0004.0285.4683.00027
5/1 ARM4.0275.2503.1254.1045.3132.9908
7/1 ARM4.2394.8753.5004.3024.7503.5006
New RV - 60 Mo7.6213.254.496.7710.002.99-85
Unsecured - 36 Mo12.2917.006.4910.0514.995.24-223
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* Represents the difference in the average rate between banks and credit unions.