RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 255,435 financial institution locations in 19,581 markets across the United States as of 4/21/2021.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.081.500.010.171.550.019
6 Mo CD - $10k0.121.500.000.262.250.0114
1 Yr CD - $10k0.181.730.000.382.350.0119
18 Mo CD - $10k0.202.740.000.422.750.0122
2 Yr CD - $10k0.251.550.010.502.750.0125
30 Mo CD - $10k0.2814.000.010.533.100.0124
3 Yr CD - $10k0.302.000.010.602.600.0130
4 Yr CD - $10k0.332.250.010.692.650.0135
5 Yr CD - $10k0.392.500.010.782.750.0139
1 Mo CD - $100k0.060.920.010.191.000.0113
2 Mo CD - $100k0.040.550.010.231.000.0819
3 Mo CD - $100k0.091.500.000.203.100.0111
6 Mo CD - $100k0.131.500.000.281.500.0115
1 Yr CD - $100k0.193.000.010.402.000.0120
2 Yr CD - $100k0.264.000.010.522.750.0126
3 Yr CD - $100k0.312.000.010.622.790.0131
Interest Checking - $5k0.040.500.010.423.250.0138
Liquid IRA Account0.132.310.010.272.970.0114
Money Market - $2.5k0.061.500.000.153.000.019
Money Market - $10k0.081.000.000.171.500.019
Money Market - $25k0.091.000.000.201.750.0111
Money Market - $50k0.111.000.000.242.000.0113
Money Market - $100k0.131.250.000.282.250.0015
Money Market - $250k0.151.440.000.302.250.0015
Regular Savings - $1k0.040.500.010.192.020.0115
New Car - 36 Mo4.2313.500.382.677.450.98-156
New Car - 48 Mo4.2813.501.492.817.650.98-147
New Car - 60 Mo4.3713.501.492.907.750.98-146
New Car - 72 Mo4.4611.251.993.227.761.38-124
Used Car - 36 Mo4.6413.751.492.888.600.98-176
Used Car - 48 Mo4.6613.751.493.0010.990.98-166
Used Car - 60 Mo4.5530.001.493.1010.990.98-145
Used Car - 72 Mo4.5934.001.993.4110.991.49-119
New Boat - 60 Mo6.2830.001.915.1213.240.05-116
Rewards Credit Card13.5120.914.9910.2918.001.00-322
Credit Card Platinum13.1526.995.259.1017.901.00-405
Credit Card Classic12.1022.254.9910.8418.001.00-127
Home Equity - LOC4.556.004.003.8912.001.00-66
Home Equity - 5 Yr3.685.002.484.5111.500.1582
Home Equity - 10 Yr4.315.253.274.7812.000.2546
Home Equity - 15 Yr4.735.503.895.0812.500.3534
15 Yr Fixed2.8088.0001.8752.8416.0001.0003
20 Yr Fixed3.5247.5502.3753.5646.0001.0004
30 Yr Fixed3.2967.2500.8753.3136.7501.0002
1 Yr ARM3.2026.0001.7502.9345.0001.000-27
3/1 ARM3.2937.0001.0003.0875.5001.000-21
5/1 ARM3.3247.7501.8753.0786.3751.000-25
7/1 ARM3.3486.7502.0003.1966.5001.000-15
New RV - 60 Mo6.4030.001.915.1511.991.00-125
Unsecured - 36 Mo9.5219.501.008.9318.002.90-59
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* Represents the difference in the average rate between banks and credit unions.