RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 273,455 financial institution locations in 19,604 markets across the United States as of 5/17/2022.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.081.270.010.191.550.0111
6 Mo CD - $10k0.121.400.010.281.420.0116
1 Yr CD - $10k0.182.050.010.422.130.0123
18 Mo CD - $10k0.202.750.000.482.750.0128
2 Yr CD - $10k0.262.900.010.562.780.0130
30 Mo CD - $10k0.243.000.010.633.100.0139
3 Yr CD - $10k0.313.150.010.682.960.0137
4 Yr CD - $10k0.343.200.010.782.970.0144
5 Yr CD - $10k0.413.250.010.903.000.0150
1 Mo CD - $100k0.061.050.010.201.050.0115
2 Mo CD - $100k0.050.550.010.441.100.0839
3 Mo CD - $100k0.081.300.010.223.100.0114
6 Mo CD - $100k0.131.400.010.301.420.0118
1 Yr CD - $100k0.193.000.010.452.130.0125
2 Yr CD - $100k0.262.900.010.592.780.0133
3 Yr CD - $100k0.323.150.010.728.000.0140
Interest Checking - $5k0.042.110.010.095.000.015
Liquid IRA Account0.112.200.010.252.970.0114
Money Market - $2.5k0.061.500.010.154.450.019
Money Market - $10k0.071.500.010.164.450.0110
Money Market - $25k0.081.250.010.204.450.0112
Money Market - $50k0.101.250.010.234.450.0114
Money Market - $100k0.121.350.010.274.450.0015
Money Market - $250k0.131.350.010.294.450.0016
Regular Savings - $1k0.052.020.000.1015.000.014
New Car - 36 Mo4.2413.501.492.6511.000.99-159
New Car - 48 Mo4.2813.501.492.7711.000.99-151
New Car - 60 Mo4.3713.501.852.8811.001.38-149
New Car - 72 Mo4.4211.251.853.1811.001.25-123
Used Car - 36 Mo4.6113.751.492.839.000.99-178
Used Car - 48 Mo4.6313.751.492.9510.990.99-168
Used Car - 60 Mo4.5630.001.973.0610.991.38-150
Used Car - 72 Mo4.4734.001.993.3410.991.25-113
New Boat - 60 Mo6.0830.000.054.9211.450.05-116
Rewards Credit Card13.9129.904.9910.6318.001.00-328
Credit Card Platinum13.1727.246.009.5118.001.00-366
Credit Card Classic12.4029.994.9911.0418.991.00-136
Home Equity - LOC4.348.202.253.9218.000.25-42
Home Equity - 5 Yr5.049.502.304.359.000.15-69
Home Equity - 10 Yr5.309.752.384.819.000.25-49
Home Equity - 15 Yr5.5011.752.385.1210.000.35-38
15 Yr Fixed4.6515.0064.2764.5634.9924.350-9
20 Yr Fixed5.2065.2295.1835.1565.1565.156-5
30 Yr Fixed5.2655.7684.7075.2005.4694.903-6
3/1 ARM4.6254.6254.6254.6784.6784.6785
5/1 ARM4.7484.8574.6384.5474.5794.516-20
7/1 ARM4.0114.0114.011 
New RV - 60 Mo6.1330.000.014.9411.990.01-118
Unsecured - 36 Mo9.2521.000.108.7121.000.10-54
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* Represents the difference in the average rate between banks and credit unions.