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 - $10k0.281.800.030.391.160.0511
6 Mo CD - $10k0.442.000.030.631.650.1019
1 Yr CD - $10k0.722.300.031.092.400.1537
18 Mo CD - $10k1.022.530.031.432.500.2542
2 Yr CD - $10k1.142.650.031.432.500.4529
30 Mo CD - $10k1.333.000.031.483.000.8015
3 Yr CD - $10k1.313.000.031.542.550.5523
4 Yr CD - $10k1.433.000.031.702.751.0027
5 Yr CD - $10k1.713.000.031.943.001.1023
1 Mo CD - $100k0.120.400.03    
2 Mo CD - $100k0.130.400.03    
3 Mo CD - $100k0.271.800.030.420.950.0515
6 Mo CD - $100k0.381.910.030.761.750.1038
1 Yr CD - $100k0.722.300.071.212.400.5049
2 Yr CD - $100k1.082.650.101.492.400.4540
3 Yr CD - $100k1.343.000.201.692.500.9435
Interest Checking - $5k0.080.500.010.120.500.014
Liquid IRA Account0.192.000.010.321.670.0213
Money Market - $2.5k0.181.750.010.230.900.036
Money Market - $10k0.241.750.010.301.010.055
Money Market - $25k0.311.760.010.411.750.0510
Money Market - $50k0.401.760.010.521.750.1012
Money Market - $100k0.472.000.010.601.750.1513
Money Market - $250k0.502.050.010.601.750.1510
Regular Savings - $1k0.121.800.010.141.670.012
New Car - 36 Mo4.419.002.372.995.241.62-143
New Car - 48 Mo4.509.002.373.035.241.74-147
New Car - 60 Mo4.579.002.743.145.241.75-143
New Car - 72 Mo4.546.612.743.656.241.75-89
Used Car - 36 Mo5.0010.002.903.126.241.62-188
Used Car - 48 Mo5.0510.002.903.176.241.74-188
Used Car - 60 Mo4.7010.002.993.296.241.75-141
Used Car - 72 Mo4.376.492.993.755.741.75-63
New Boat - 60 Mo7.5713.254.496.0910.242.49-147
Rewards Credit Card14.8517.4910.6512.4115.748.49-244
Credit Card Platinum12.8716.9010.2411.5614.407.99-131
Credit Card Classic12.7817.9010.2410.9813.907.99-180
Home Equity - LOC5.058.604.254.745.753.99-31
Home Equity - 5 Yr4.608.012.754.036.242.95-57
Home Equity - 10 Yr5.038.033.504.436.503.49-59
Home Equity - 15 Yr5.348.113.814.897.003.99-45
15 Yr Fixed4.2404.6253.3754.2374.6253.4750
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.5154.7503.8754.4994.8753.250-2
30 Yr Fixed4.6904.8753.8754.6895.0004.1250
1 Yr ARM3.1974.0002.5003.5154.1252.75032
3/1 ARM3.5304.3751.0003.8705.3752.25034
5/1 ARM3.7965.0002.8753.9535.2372.50016
7/1 ARM4.0094.7503.1254.1334.7502.87512
New RV - 60 Mo7.5413.254.496.3110.002.49-122
Unsecured - 36 Mo12.4017.006.0010.1414.995.24-226
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* Represents the difference in the average rate between banks and credit unions.