RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 238,470 financial institution locations in 19,561 markets across the United States as of 6/5/2020.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.141.600.010.301.500.0116
6 Mo CD - $10k0.222.120.000.492.250.0127
1 Yr CD - $10k0.352.250.000.712.450.0137
18 Mo CD - $10k0.392.790.010.792.750.0140
2 Yr CD - $10k0.452.500.010.892.750.0444
30 Mo CD - $10k0.5014.000.010.953.100.0145
3 Yr CD - $10k0.522.650.011.022.800.0550
4 Yr CD - $10k0.582.770.001.123.000.0554
5 Yr CD - $10k0.663.020.011.233.350.0557
1 Mo CD - $100k0.081.530.010.271.010.0219
2 Mo CD - $100k0.081.530.010.271.010.0219
3 Mo CD - $100k0.131.610.000.353.100.0122
6 Mo CD - $100k0.212.120.000.541.760.0133
1 Yr CD - $100k0.312.000.010.782.120.0547
2 Yr CD - $100k0.392.000.010.942.750.0555
3 Yr CD - $100k0.452.000.011.052.790.0561
Interest Checking - $5k0.061.400.000.123.050.016
Liquid IRA Account0.183.140.010.383.000.0119
Money Market - $2.5k0.091.760.000.253.000.0115
Money Market - $10k0.121.760.000.281.510.0116
Money Market - $25k0.151.760.000.331.750.0118
Money Market - $50k0.171.760.000.392.000.0121
Money Market - $100k0.211.770.000.452.250.0124
Money Market - $250k0.242.000.000.482.250.0125
Regular Savings - $1k0.081.750.000.142.500.016
New Car - 36 Mo4.4715.501.993.047.451.29-143
New Car - 48 Mo4.5315.501.993.1812.141.49-135
New Car - 60 Mo4.6415.502.243.2910.141.49-135
New Car - 72 Mo4.7713.751.953.6015.891.59-116
Used Car - 36 Mo4.8615.501.993.268.601.49-160
Used Car - 48 Mo4.9115.501.993.3910.991.49-152
Used Car - 60 Mo4.8215.502.243.5010.991.49-131
Used Car - 72 Mo4.7313.752.243.8010.991.59-92
New Boat - 60 Mo6.8015.502.745.3413.241.00-146
Rewards Credit Card13.7320.994.9910.3318.001.00-340
Credit Card Platinum12.8226.995.009.1017.901.00-372
Credit Card Classic12.1322.255.0010.9118.001.00-122
Home Equity - LOC5.209.132.504.0912.001.00-111
Home Equity - 5 Yr5.5511.002.484.6611.501.00-89
Home Equity - 10 Yr5.8011.003.255.0712.001.00-74
Home Equity - 15 Yr5.969.503.355.3612.501.00-60
15 Yr Fixed3.2268.3752.1253.1786.2501.000-5
20 Yr Fixed3.5617.5501.0003.5336.0001.000-3
30 Yr Fixed3.6317.2502.3753.5686.7501.000-6
1 Yr ARM3.3456.2501.9903.3466.5001.0000
3/1 ARM3.5847.0001.0003.2746.0001.000-31
5/1 ARM3.5647.7501.7753.3266.2301.000-24
7/1 ARM3.5746.5002.0253.4715.5001.000-10
New RV - 60 Mo6.8415.502.495.3710.991.00-147
Unsecured - 36 Mo9.7219.502.909.1818.002.90-54
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* Represents the difference in the average rate between banks and credit unions.