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 - $10k0.241.600.030.361.160.0512
6 Mo CD - $10k0.371.700.030.591.590.1022
1 Yr CD - $10k0.682.200.050.992.100.1530
18 Mo CD - $10k0.962.500.031.332.320.2538
2 Yr CD - $10k1.102.600.031.282.250.4518
30 Mo CD - $10k1.222.500.031.412.250.8019
3 Yr CD - $10k1.192.750.031.492.500.5529
4 Yr CD - $10k1.383.000.101.652.751.0027
5 Yr CD - $10k1.643.000.031.893.001.1024
1 Mo CD - $100k0.100.300.03    
2 Mo CD - $100k0.110.300.03    
3 Mo CD - $100k0.221.600.030.420.950.0520
6 Mo CD - $100k0.331.700.030.671.500.1033
1 Yr CD - $100k0.632.070.070.982.000.2535
2 Yr CD - $100k0.952.400.101.292.250.4535
3 Yr CD - $100k1.192.750.201.552.500.9436
Interest Checking - $5k0.080.500.010.120.500.014
Liquid IRA Account0.160.650.010.321.510.0215
Money Market - $2.5k0.171.750.010.220.900.035
Money Market - $10k0.231.750.010.280.900.055
Money Market - $25k0.291.750.010.401.500.0510
Money Market - $50k0.361.750.010.481.500.1012
Money Market - $100k0.411.750.010.561.500.1515
Money Market - $250k0.442.050.010.561.510.1512
Regular Savings - $1k0.101.700.010.141.510.013
New Car - 36 Mo4.399.002.242.824.391.24-157
New Car - 48 Mo4.489.002.372.884.391.74-159
New Car - 60 Mo4.579.002.493.014.491.75-155
New Car - 72 Mo4.506.612.743.525.241.75-98
Used Car - 36 Mo4.9810.002.242.974.991.24-201
Used Car - 48 Mo5.0410.002.493.034.991.74-201
Used Car - 60 Mo4.6410.002.493.174.991.75-148
Used Car - 72 Mo4.376.492.993.645.741.75-72
New Boat - 60 Mo7.4813.254.496.0210.242.49-146
Rewards Credit Card13.9517.4910.6511.8913.498.49-206
Credit Card Platinum11.6916.6510.2411.0114.407.99-68
Credit Card Classic13.0717.9010.2410.9113.907.74-217
Home Equity - LOC4.858.603.754.535.753.75-31
Home Equity - 5 Yr4.558.012.753.865.992.95-68
Home Equity - 10 Yr4.988.033.504.345.993.49-64
Home Equity - 15 Yr5.278.113.814.766.253.99-51
15 Yr Fixed4.1894.5003.3754.2104.6253.3752
10 Yr Fixed1.1111.0001.000 
20 Yr Fixed4.4434.7503.3754.4724.7503.2503
30 Yr Fixed4.6624.8753.8754.6865.0003.9502
1 Yr ARM3.1664.0002.5003.3404.1252.24017
3/1 ARM3.4824.3751.0003.6114.8462.25013
5/1 ARM3.7264.7902.7503.8204.6532.5009
7/1 ARM3.9554.7502.9904.0474.7502.8759
New RV - 60 Mo7.5213.254.496.3010.002.49-122
Unsecured - 36 Mo12.3917.006.0010.1514.995.24-224
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* Represents the difference in the average rate between banks and credit unions.