RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 235,351 financial institution locations in 19,560 markets across the United States as of 4/5/2020.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.161.850.010.432.000.0227
6 Mo CD - $10k0.262.120.010.672.250.0141
1 Yr CD - $10k0.402.170.010.942.450.0154
18 Mo CD - $10k0.452.790.011.022.750.0157
2 Yr CD - $10k0.502.500.011.132.790.0563
30 Mo CD - $10k0.5414.000.011.163.100.0562
3 Yr CD - $10k0.592.650.011.273.300.0569
4 Yr CD - $10k0.652.600.001.384.080.0573
5 Yr CD - $10k0.752.700.011.513.350.0576
1 Mo CD - $100k0.092.070.010.311.010.0222
2 Mo CD - $100k0.092.070.010.351.010.0225
3 Mo CD - $100k0.162.330.010.513.100.0235
6 Mo CD - $100k0.242.120.010.752.000.0550
1 Yr CD - $100k0.362.100.011.022.400.1066
2 Yr CD - $100k0.462.220.011.202.890.1075
3 Yr CD - $100k0.522.320.011.332.790.2081
Interest Checking - $5k0.0610.000.010.133.050.017
Liquid IRA Account0.193.290.010.443.000.0125
Money Market - $2.5k0.111.870.010.323.000.0121
Money Market - $10k0.162.080.010.372.000.0121
Money Market - $25k0.202.080.010.442.000.0124
Money Market - $50k0.231.970.010.502.050.0127
Money Market - $100k0.282.000.010.592.250.0131
Money Market - $250k0.312.270.010.632.500.0133
Regular Savings - $1k0.091.860.010.172.020.018
New Car - 36 Mo4.5415.500.503.159.991.29-139
New Car - 48 Mo4.6115.501.993.299.991.47-133
New Car - 60 Mo4.7315.500.403.4012.501.49-133
New Car - 72 Mo4.8917.502.443.7217.501.59-117
Used Car - 36 Mo4.9415.501.993.379.991.47-157
Used Car - 48 Mo5.0015.501.993.499.991.47-151
Used Car - 60 Mo4.9215.502.443.6012.501.49-132
Used Car - 72 Mo4.8913.752.493.929.991.59-97
New Boat - 60 Mo6.8415.502.745.3810.991.00-147
Rewards Credit Card14.1020.994.9910.7818.001.00-332
Credit Card Platinum13.3126.995.009.5117.901.00-380
Credit Card Classic12.6122.255.0011.1718.001.00-144
Home Equity - LOC5.479.132.504.4212.001.00-105
Home Equity - 5 Yr5.3811.002.484.7511.501.00-63
Home Equity - 10 Yr5.6611.002.995.1512.001.00-50
Home Equity - 15 Yr5.849.503.355.4312.501.00-42
15 Yr Fixed3.3938.3752.2503.3786.2501.000-1
20 Yr Fixed3.7197.0001.0003.7076.3751.000-1
30 Yr Fixed3.8197.2502.5003.7806.7500.500-4
1 Yr ARM3.3546.2501.9903.3595.5001.0001
3/1 ARM3.5946.7501.0003.2735.5001.000-32
5/1 ARM3.6977.0001.9003.3755.3501.000-32
7/1 ARM3.7146.5002.1503.5245.2501.000-19
New RV - 60 Mo6.9315.502.495.4310.991.00-150
Unsecured - 36 Mo9.7418.732.909.2218.001.99-52
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* Represents the difference in the average rate between banks and credit unions.