RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 278,685 financial institution locations in 19,663 markets across the United States as of 10/2/2022.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.183.300.010.442.560.0125
6 Mo CD - $10k0.303.900.010.673.000.0137
1 Yr CD - $10k0.474.000.011.023.680.0155
18 Mo CD - $10k0.494.150.001.204.070.0170
2 Yr CD - $10k0.574.250.011.283.690.0171
30 Mo CD - $10k0.473.800.011.444.000.0197
3 Yr CD - $10k0.613.850.011.444.000.0183
4 Yr CD - $10k0.633.900.011.553.930.0192
5 Yr CD - $10k0.704.000.011.724.180.01102
1 Mo CD - $100k0.122.630.010.301.290.0118
2 Mo CD - $100k0.092.500.020.652.500.0556
3 Mo CD - $100k0.193.300.010.473.100.0127
6 Mo CD - $100k0.313.900.010.703.200.0138
1 Yr CD - $100k0.494.000.011.063.680.0157
2 Yr CD - $100k0.594.250.011.325.200.0173
3 Yr CD - $100k0.633.850.011.484.000.0186
Interest Checking - $5k0.062.500.000.125.000.016
Liquid IRA Account0.183.580.010.333.670.0115
Money Market - $2.5k0.123.050.010.263.000.0114
Money Market - $10k0.143.050.010.294.000.0115
Money Market - $25k0.173.050.010.342.020.0118
Money Market - $50k0.193.050.010.392.020.0120
Money Market - $100k0.233.050.010.462.230.0023
Money Market - $250k0.2615.000.010.502.350.0024
Regular Savings - $1k0.092.500.000.126.170.013
New Car - 36 Mo4.8613.501.995.282022.001.0042
New Car - 48 Mo4.9113.501.995.422022.001.4551
New Car - 60 Mo5.0013.501.995.532022.001.4553
New Car - 72 Mo5.1111.002.205.872022.001.4976
Used Car - 36 Mo5.2413.751.995.472022.001.0923
Used Car - 48 Mo5.2613.751.995.592022.001.4933
Used Car - 60 Mo5.2413.501.995.712022.001.4947
Used Car - 72 Mo5.1510.502.206.182022.001.49103
New Boat - 60 Mo6.4213.500.055.5715.490.05-85
Rewards Credit Card15.5829.904.9911.7618.001.00-382
Credit Card Platinum14.9926.996.4910.4618.001.00-453
Credit Card Classic13.8025.996.9011.4719.901.00-232
Home Equity - LOC5.949.502.995.4318.000.25-50
Home Equity - 5 Yr5.9010.012.755.1610.490.15-73
Home Equity - 10 Yr6.1610.272.505.6210.990.25-53
Home Equity - 15 Yr6.4010.292.505.9612.490.35-44
15 Yr Fixed6.1896.9305.7896.2236.3985.9473
20 Yr Fixed6.6696.8166.5226.5656.6656.465-10
30 Yr Fixed6.9157.5796.6836.8797.5096.442-4
3/1 ARM6.3026.3026.3025.5905.5905.590-71
5/1 ARM5.8736.1615.5855.3956.1254.516-48
7/1 ARM5.8015.9705.634 
New RV - 60 Mo6.5313.500.015.5715.990.01-96
Unsecured - 36 Mo9.6819.250.109.1721.000.10-51
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* Represents the difference in the average rate between banks and credit unions.