RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 265,358 financial institution locations in 19,600 markets across the United States as of 12/1/2021.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.071.500.010.161.550.019
6 Mo CD - $10k0.1125.000.010.242.250.0114
1 Yr CD - $10k0.162.000.010.352.350.0119
18 Mo CD - $10k0.182.750.000.402.750.0121
2 Yr CD - $10k0.222.750.010.462.750.0124
30 Mo CD - $10k0.2914.000.010.503.100.0121
3 Yr CD - $10k0.272.150.010.572.600.0130
4 Yr CD - $10k0.302.350.010.662.650.0135
5 Yr CD - $10k0.362.350.010.762.750.0140
1 Mo CD - $100k0.050.650.000.181.000.0112
2 Mo CD - $100k0.070.550.010.401.100.0833
3 Mo CD - $100k0.081.500.010.193.100.0111
6 Mo CD - $100k0.111.500.010.261.400.0115
1 Yr CD - $100k0.173.000.010.372.000.0120
2 Yr CD - $100k0.232.750.010.492.750.0126
3 Yr CD - $100k0.282.150.010.592.790.0131
Interest Checking - $5k0.041.500.000.093.250.015
Liquid IRA Account0.112.180.010.252.970.0114
Money Market - $2.5k0.061.500.010.143.000.008
Money Market - $10k0.070.950.010.151.000.019
Money Market - $25k0.081.250.010.191.250.0111
Money Market - $50k0.091.250.010.221.250.0112
Money Market - $100k0.111.350.010.261.350.0014
Money Market - $250k0.131.350.010.271.350.0015
Regular Savings - $1k0.052.020.000.092.020.014
New Car - 36 Mo4.1213.500.292.566.290.99-156
New Car - 48 Mo4.1613.501.492.696.750.99-148
New Car - 60 Mo4.2413.501.642.797.251.24-144
New Car - 72 Mo4.2911.250.153.1115.231.24-118
Used Car - 36 Mo4.5313.951.242.767.500.99-177
Used Car - 48 Mo4.5413.951.492.8810.991.24-166
Used Car - 60 Mo4.4230.001.842.9810.991.24-144
Used Car - 72 Mo4.3734.001.843.2810.991.49-109
New Boat - 60 Mo6.1430.001.914.9611.250.05-117
Rewards Credit Card13.5529.904.9910.4218.001.00-313
Credit Card Platinum12.7726.995.259.2618.001.00-352
Credit Card Classic12.2629.994.9910.9818.001.00-128
Home Equity - LOC4.197.752.243.768.501.00-43
Home Equity - 5 Yr4.689.502.154.209.000.15-48
Home Equity - 10 Yr4.919.752.384.609.000.25-31
Home Equity - 15 Yr5.0411.752.384.899.000.35-15
15 Yr Fixed2.7578.0000.2502.7366.7501.000-2
20 Yr Fixed3.5877.5502.3703.5086.0000.001-8
30 Yr Fixed3.2647.2752.0003.2468.2500.300-2
1 Yr ARM3.1956.0001.7502.9675.0001.000-23
3/1 ARM3.4747.0001.0002.9465.5001.000-53
5/1 ARM3.2677.7501.2502.9346.2301.000-33
7/1 ARM3.2547.7501.4003.0436.2501.000-21
New RV - 60 Mo6.2330.001.915.23841.001.00-100
Unsecured - 36 Mo9.2421.001.008.7921.002.99-45
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* Represents the difference in the average rate between banks and credit unions.