RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 206,129 financial institution locations in 19,519 markets across the United States as of 9/26/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.291.900.030.421.160.1012
6 Mo CD - $10k0.502.010.030.671.650.1517
1 Yr CD - $10k0.762.550.071.172.750.1541
18 Mo CD - $10k1.092.550.031.522.800.2543
2 Yr CD - $10k1.192.750.031.573.000.5038
30 Mo CD - $10k1.363.000.031.753.000.8040
3 Yr CD - $10k1.373.040.101.623.000.5525
4 Yr CD - $10k1.493.040.031.813.001.0032
5 Yr CD - $10k1.763.150.032.033.251.1027
1 Mo CD - $100k0.120.400.03    
2 Mo CD - $100k0.130.400.03    
3 Mo CD - $100k0.281.900.030.430.950.1015
6 Mo CD - $100k0.432.010.030.801.750.1537
1 Yr CD - $100k0.772.400.071.272.500.5050
2 Yr CD - $100k1.142.650.101.763.000.8562
3 Yr CD - $100k1.443.000.201.792.750.9435
Interest Checking - $5k0.080.500.010.120.500.014
Liquid IRA Account0.182.000.010.331.710.0215
Money Market - $2.5k0.201.750.010.250.900.025
Money Market - $10k0.261.750.010.311.010.056
Money Market - $25k0.351.910.010.431.750.059
Money Market - $50k0.431.910.010.542.020.1011
Money Market - $100k0.522.000.010.642.020.1511
Money Market - $250k0.562.050.010.642.020.158
Regular Savings - $1k0.121.900.010.141.710.013
New Car - 36 Mo4.489.002.743.175.241.62-131
New Car - 48 Mo4.569.002.743.215.241.74-135
New Car - 60 Mo4.649.002.973.325.241.75-132
New Car - 72 Mo4.596.612.993.836.241.75-76
Used Car - 36 Mo5.0910.002.903.336.241.62-176
Used Car - 48 Mo5.1410.002.903.386.241.74-176
Used Car - 60 Mo4.8410.002.993.506.241.75-134
Used Car - 72 Mo4.546.492.993.996.241.75-55
New Boat - 60 Mo7.6713.254.756.1810.242.99-149
Rewards Credit Card15.1717.7410.9012.7215.748.49-245
Credit Card Platinum13.2517.2410.2411.6814.657.99-157
Credit Card Classic12.9117.9010.2411.1413.907.99-177
Home Equity - LOC5.069.074.254.806.004.00-26
Home Equity - 5 Yr4.688.012.754.166.242.99-52
Home Equity - 10 Yr5.088.033.504.586.503.49-50
Home Equity - 15 Yr5.378.113.814.987.003.99-40
15 Yr Fixed4.2944.6253.3754.2704.5003.750-2
10 Yr Fixed1.1101.0001.000 
20 Yr Fixed4.5854.8844.0004.5524.8753.250-3
30 Yr Fixed4.7385.0003.8754.7435.0004.1251
1 Yr ARM3.2254.2502.5003.5544.2502.75033
3/1 ARM3.5594.6251.0003.9215.4683.00036
5/1 ARM3.8365.0002.8753.9535.3892.99012
7/1 ARM4.0574.8553.3504.1444.8753.5009
New RV - 60 Mo7.6213.254.496.3910.002.99-123
Unsecured - 36 Mo12.4217.006.4910.1914.995.24-223
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* Represents the difference in the average rate between banks and credit unions.