RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 250,917 financial institution locations in 19,575 markets across the United States as of 1/25/2021.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.101.500.010.191.550.019
6 Mo CD - $10k0.161.500.000.312.250.0115
1 Yr CD - $10k0.253.000.000.432.350.0118
18 Mo CD - $10k0.292.740.000.482.750.0119
2 Yr CD - $10k0.332.250.010.572.750.0324
30 Mo CD - $10k0.4614.000.010.603.100.0114
3 Yr CD - $10k0.392.300.010.672.600.0328
4 Yr CD - $10k0.442.350.010.762.650.0332
5 Yr CD - $10k0.512.500.010.852.750.0434
1 Mo CD - $100k0.081.540.010.221.000.0114
2 Mo CD - $100k0.050.550.010.231.000.0818
3 Mo CD - $100k0.111.500.000.223.100.0111
6 Mo CD - $100k0.171.500.000.321.500.0115
1 Yr CD - $100k0.263.000.010.452.000.0118
2 Yr CD - $100k0.342.250.010.582.750.0324
3 Yr CD - $100k0.412.300.010.692.790.0327
Interest Checking - $5k0.040.400.010.413.250.0137
Liquid IRA Account0.182.800.010.322.970.0114
Money Market - $2.5k0.081.500.000.173.000.0110
Money Market - $10k0.101.250.000.191.500.0110
Money Market - $25k0.121.500.000.231.750.0112
Money Market - $50k0.141.500.000.272.000.0113
Money Market - $100k0.1715.000.000.322.250.0015
Money Market - $250k0.191.500.000.342.250.0015
Regular Savings - $1k0.040.300.010.131.500.019
New Car - 36 Mo4.4115.501.892.837.451.19-158
New Car - 48 Mo4.4715.501.992.967.651.38-151
New Car - 60 Mo4.5615.501.993.078.951.38-149
New Car - 72 Mo4.6113.751.993.409.951.38-122
Used Car - 36 Mo4.8215.501.893.048.601.38-179
Used Car - 48 Mo4.8615.501.993.1610.991.38-169
Used Car - 60 Mo4.7330.001.993.2710.991.38-146
Used Car - 72 Mo4.6634.001.993.5910.991.38-107
New Boat - 60 Mo6.4030.002.495.1813.240.05-121
Rewards Credit Card13.5320.914.9910.2918.241.00-324
Credit Card Platinum13.1126.995.259.0916.241.00-402
Credit Card Classic12.2022.255.0010.8318.001.00-137
Home Equity - LOC4.135.004.003.7712.001.00-35
Home Equity - 5 Yr3.685.002.484.0911.500.1541
Home Equity - 10 Yr4.315.253.274.3312.000.252
Home Equity - 15 Yr5.166.103.894.5512.500.35-61
15 Yr Fixed2.8658.0001.7502.8366.0001.000-3
20 Yr Fixed3.4777.5502.3753.5516.0001.0007
30 Yr Fixed3.2226.3752.0003.1976.7501.000-3
1 Yr ARM3.4596.0001.7503.1216.5001.000-34
3/1 ARM3.4817.0001.0003.1585.5001.000-32
5/1 ARM3.4397.7502.0003.1326.5001.000-31
7/1 ARM3.4676.1252.1253.2456.2501.000-22
New RV - 60 Mo6.5130.002.495.2411.991.00-127
Unsecured - 36 Mo9.6221.001.009.0118.002.90-61
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* Represents the difference in the average rate between banks and credit unions.