RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 287,541 financial institution locations in 19,663 markets across the United States as of 6/4/2023.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.785.300.011.356.000.0157
6 Mo CD - $10k1.095.550.012.065.500.0197
1 Yr CD - $10k1.405.350.012.716.000.01130
18 Mo CD - $10k1.285.350.002.765.600.01148
2 Yr CD - $10k1.295.250.012.735.700.01144
30 Mo CD - $10k1.074.750.012.745.700.01167
3 Yr CD - $10k1.265.050.012.675.800.01141
4 Yr CD - $10k1.244.950.012.715.900.01147
5 Yr CD - $10k1.305.100.012.835.900.01153
1 Mo CD - $100k0.3812.000.010.794.600.0240
2 Mo CD - $100k0.134.810.011.374.250.05125
3 Mo CD - $100k0.845.300.011.386.000.0154
6 Mo CD - $100k1.145.500.012.095.500.0195
1 Yr CD - $100k1.475.350.012.755.600.01128
2 Yr CD - $100k1.355.250.012.785.700.01143
3 Yr CD - $100k1.295.050.012.725.800.01143
Interest Checking - $5k0.125.000.000.205.640.017
Liquid IRA Account0.355.930.010.605.220.0125
Money Market - $2.5k0.375.000.010.655.000.0127
Money Market - $10k0.445.000.010.734.170.0129
Money Market - $25k0.535.000.010.864.170.0132
Money Market - $50k0.625.000.010.974.170.0135
Money Market - $100k0.755.000.011.164.180.0041
Money Market - $250k0.8315.000.011.265.000.0043
Regular Savings - $1k0.194.760.010.186.170.01-1
New Car - 36 Mo6.3014.001.995.639.831.49-67
New Car - 48 Mo6.3514.001.995.7511.001.69-60
New Car - 60 Mo6.4314.002.395.8811.001.69-55
New Car - 72 Mo6.5914.002.656.1711.001.99-43
Used Car - 36 Mo6.6314.001.995.8210.851.69-82
Used Car - 48 Mo6.6814.001.995.9410.851.69-73
Used Car - 60 Mo6.7014.002.396.0711.251.69-63
Used Car - 72 Mo6.6814.002.886.3710.302.19-31
New Boat - 60 Mo7.4315.752.997.2514.490.05-18
Rewards Credit Card18.1129.904.9913.6721.001.00-444
Credit Card Platinum17.6129.993.1012.2923.991.00-531
Credit Card Classic15.7625.996.9012.8222.991.00-294
Home Equity - LOC8.5112.492.997.9315.000.25-58
Home Equity - 5 Yr7.3412.112.996.5610.750.15-78
Home Equity - 10 Yr7.5212.372.506.9511.000.25-57
Home Equity - 15 Yr7.7412.402.507.2312.490.35-51
15 Yr Fixed6.2646.7326.0836.0356.3845.820-23
20 Yr Fixed6.5987.2566.2306.5436.5436.543-5
30 Yr Fixed6.7387.3916.3176.6777.1306.244-6
3/1 ARM5.6245.6245.624 
5/1 ARM7.6097.8117.2765.9537.3005.243-166
7/1 ARM7.1557.5086.8815.9356.3755.495-122
New RV - 60 Mo7.4714.992.997.2713.990.01-20
Unsecured - 36 Mo10.5019.904.2310.3221.000.10-18
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* Represents the difference in the average rate between banks and credit unions.