RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 223,690 financial institution locations in 19,544 markets across the United States as of 8/21/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.273.000.010.627.000.0235
6 Mo CD - $10k0.482.500.011.032.540.0155
1 Yr CD - $10k0.733.000.011.503.000.0176
18 Mo CD - $10k0.783.010.021.664.000.0188
2 Yr CD - $10k0.952.950.021.793.050.0584
30 Mo CD - $10k0.793.100.021.923.330.05113
3 Yr CD - $10k1.023.100.021.973.290.0595
4 Yr CD - $10k1.103.250.022.143.300.05104
5 Yr CD - $10k1.283.350.022.363.500.05108
1 Mo CD - $100k0.172.200.010.451.510.0229
2 Mo CD - $100k0.152.220.010.541.510.0239
3 Mo CD - $100k0.282.520.010.713.100.0243
6 Mo CD - $100k0.482.520.011.172.350.0569
1 Yr CD - $100k0.743.000.011.652.900.0592
2 Yr CD - $100k0.942.950.101.953.100.10101
3 Yr CD - $100k0.973.100.032.103.250.20114
Interest Checking - $5k0.092.000.010.144.050.015
Liquid IRA Account0.253.290.010.533.460.0128
Money Market - $2.5k0.182.700.010.423.450.0124
Money Market - $10k0.272.700.010.482.340.0121
Money Market - $25k0.352.700.010.582.500.0122
Money Market - $50k0.422.700.010.662.750.0124
Money Market - $100k0.492.700.010.773.000.0128
Money Market - $250k0.532.700.010.833.000.0130
Regular Savings - $1k0.122.500.010.192.100.017
New Car - 36 Mo4.7015.752.303.459.991.29-125
New Car - 48 Mo4.7611.752.303.609.991.49-116
New Car - 60 Mo4.8612.752.453.719.991.59-115
New Car - 72 Mo4.9513.752.554.059.991.59-91
Used Car - 36 Mo5.1215.752.403.679.991.49-145
Used Car - 48 Mo5.1713.752.503.809.991.49-137
Used Car - 60 Mo5.0912.752.743.909.991.59-119
Used Car - 72 Mo5.0213.752.744.269.991.59-76
New Boat - 60 Mo6.8715.752.745.5410.991.99-133
Rewards Credit Card15.2620.994.9911.5418.001.00-371
Credit Card Platinum14.3826.995.0010.2621.151.00-412
Credit Card Classic13.5224.255.0011.7018.501.00-182
Home Equity - LOC6.5110.283.995.5012.001.00-102
Home Equity - 5 Yr5.5711.002.154.9511.501.00-62
Home Equity - 10 Yr5.8711.002.155.4012.001.00-47
Home Equity - 15 Yr6.109.502.155.7412.501.00-36
15 Yr Fixed3.7268.7502.6253.6016.5001.000-12
20 Yr Fixed4.0067.5501.0003.9316.5001.000-8
30 Yr Fixed4.1397.5003.1504.0337.0001.000-11
1 Yr ARM4.0156.5001.9903.7026.5001.000-31
3/1 ARM3.9697.7501.0003.6586.1251.000-31
5/1 ARM3.8738.5002.5253.6336.4501.000-24
7/1 ARM3.8946.5752.6253.7296.2501.000-16
New RV - 60 Mo6.9515.752.495.5811.501.99-138
Unsecured - 36 Mo9.7618.862.909.4118.003.24-35
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* Represents the difference in the average rate between banks and credit unions.