RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 220,456 financial institution locations in 19,538 markets across the United States as of 6/18/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.282.780.010.637.000.0235
6 Mo CD - $10k0.532.780.011.042.600.0151
1 Yr CD - $10k0.812.900.011.533.040.0172
18 Mo CD - $10k0.903.010.021.744.000.0184
2 Yr CD - $10k1.043.010.021.853.300.0581
30 Mo CD - $10k0.873.240.021.993.330.05112
3 Yr CD - $10k1.133.320.022.053.350.0592
4 Yr CD - $10k1.203.550.022.223.800.05102
5 Yr CD - $10k1.403.750.022.463.510.05106
1 Mo CD - $100k0.172.330.010.461.510.0229
2 Mo CD - $100k0.152.260.010.561.510.0241
3 Mo CD - $100k0.292.780.010.723.100.0243
6 Mo CD - $100k0.552.780.011.182.700.0563
1 Yr CD - $100k0.832.900.011.693.000.0586
2 Yr CD - $100k1.033.010.032.023.260.1599
3 Yr CD - $100k1.083.290.032.203.400.20112
Interest Checking - $5k0.092.000.010.144.050.015
Liquid IRA Account0.263.290.010.533.460.0128
Money Market - $2.5k0.182.700.010.423.500.0124
Money Market - $10k0.272.700.010.492.250.0122
Money Market - $25k0.362.700.010.582.500.0123
Money Market - $50k0.422.700.010.672.750.0125
Money Market - $100k0.492.700.010.783.000.0130
Money Market - $250k0.532.750.010.843.000.0131
Regular Savings - $1k0.122.500.010.192.200.017
New Car - 36 Mo4.6815.752.203.489.991.29-120
New Car - 48 Mo4.7511.752.203.649.991.49-111
New Car - 60 Mo4.8412.752.203.769.991.59-109
New Car - 72 Mo4.9113.752.554.109.991.59-81
Used Car - 36 Mo5.1015.752.203.739.991.49-137
Used Car - 48 Mo5.1513.752.203.879.991.49-129
Used Car - 60 Mo5.0712.752.743.989.991.59-110
Used Car - 72 Mo5.0113.752.744.349.991.59-67
New Boat - 60 Mo6.9215.752.745.5711.001.00-135
Rewards Credit Card15.2720.994.9911.5618.241.00-371
Credit Card Platinum13.9926.995.0010.2921.151.00-370
Credit Card Classic13.6324.255.0011.7018.501.00-193
Home Equity - LOC6.5510.533.995.5713.251.00-98
Home Equity - 5 Yr5.6111.002.155.0111.501.00-59
Home Equity - 10 Yr5.9611.002.155.4512.001.00-51
Home Equity - 15 Yr6.229.502.155.8012.501.00-42
15 Yr Fixed3.8958.7502.7503.8126.5001.000-8
20 Yr Fixed4.1937.5501.0004.1646.5001.000-3
30 Yr Fixed4.3177.9203.2504.2417.0001.000-8
1 Yr ARM4.0676.5001.5003.7416.5001.000-33
3/1 ARM3.9917.7501.0003.6826.1251.000-31
5/1 ARM3.9618.5002.6253.7286.4500.010-23
7/1 ARM4.0356.5752.6253.8966.2501.000-14
New RV - 60 Mo7.0115.752.495.6111.501.00-140
Unsecured - 36 Mo9.7418.863.409.4518.003.49-29
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* Represents the difference in the average rate between banks and credit unions.