RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 232,211 financial institution locations in 19,554 markets across the United States as of 1/27/2020.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.242.070.010.593.010.0235
6 Mo CD - $10k0.432.210.010.972.280.0155
1 Yr CD - $10k0.632.410.011.382.600.0175
18 Mo CD - $10k0.682.780.041.482.750.0180
2 Yr CD - $10k0.822.570.051.612.850.0579
30 Mo CD - $10k0.7314.000.051.663.100.0593
3 Yr CD - $10k0.912.920.051.773.300.0585
4 Yr CD - $10k0.992.970.051.914.000.0591
5 Yr CD - $10k1.143.330.052.073.400.0593
1 Mo CD - $100k0.142.070.010.461.510.0231
2 Mo CD - $100k0.132.070.010.541.510.0241
3 Mo CD - $100k0.242.330.010.683.100.0244
6 Mo CD - $100k0.402.350.011.092.280.0569
1 Yr CD - $100k0.602.600.011.502.530.1089
2 Yr CD - $100k0.792.520.051.712.890.1092
3 Yr CD - $100k0.842.650.051.852.790.01101
Interest Checking - $5k0.082.000.010.1622.110.018
Liquid IRA Account0.223.290.010.523.050.0129
Money Market - $2.5k0.152.250.010.393.000.0125
Money Market - $10k0.232.250.010.452.000.0122
Money Market - $25k0.292.250.010.542.000.0125
Money Market - $50k0.342.250.010.622.050.0128
Money Market - $100k0.402.270.010.734.740.0132
Money Market - $250k0.442.400.010.784.740.0134
Regular Savings - $1k0.112.050.010.197.990.018
New Car - 36 Mo4.6315.502.233.309.991.29-133
New Car - 48 Mo4.7015.502.303.459.991.49-125
New Car - 60 Mo4.8015.502.453.5722.001.50-124
New Car - 72 Mo4.9413.752.553.889.991.59-106
Used Car - 36 Mo5.0415.502.403.529.991.49-152
Used Car - 48 Mo5.0915.502.493.659.991.49-144
Used Car - 60 Mo5.0015.502.493.759.991.59-125
Used Car - 72 Mo4.9813.752.494.089.990.60-90
New Boat - 60 Mo6.8815.502.745.4710.991.00-141
Rewards Credit Card14.7020.994.9911.1718.001.00-353
Credit Card Platinum14.0326.995.009.8616.741.00-417
Credit Card Classic13.0923.755.0011.4018.001.00-170
Home Equity - LOC6.049.863.744.9512.001.00-108
Home Equity - 5 Yr5.4611.002.154.8411.501.00-62
Home Equity - 10 Yr5.7611.002.155.2612.001.00-50
Home Equity - 15 Yr5.949.502.155.5712.501.00-37
15 Yr Fixed3.5678.5002.5003.5116.5001.000-6
20 Yr Fixed3.8656.8751.0003.8406.5001.000-3
30 Yr Fixed4.0077.8403.1253.9457.0001.000-6
1 Yr ARM3.8336.2501.9903.5536.5501.000-28
3/1 ARM3.8077.0001.0003.5156.1251.000-29
5/1 ARM3.7417.7502.5003.5265.3501.000-22
7/1 ARM3.7906.7502.5003.6436.0001.000-15
New RV - 60 Mo6.9615.502.495.5211.501.00-145
Unsecured - 36 Mo9.7318.862.909.3118.000.10-42
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* Represents the difference in the average rate between banks and credit unions.