RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 213,544 financial institution locations in 19,531 markets across the United States as of 2/18/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.372.300.010.691.950.1033
6 Mo CD - $10k0.602.750.031.123.000.1352
1 Yr CD - $10k1.002.750.051.602.630.0560
18 Mo CD - $10k1.002.750.071.882.750.2688
2 Yr CD - $10k1.222.600.101.883.100.0566
30 Mo CD - $10k1.222.950.102.333.000.92111
3 Yr CD - $10k1.312.850.152.082.900.0577
4 Yr CD - $10k1.373.200.302.323.100.0595
5 Yr CD - $10k1.773.250.252.643.350.8586
1 Mo CD - $100k0.261.000.010.280.350.201
2 Mo CD - $100k0.321.000.010.350.350.353
3 Mo CD - $100k0.382.300.010.801.950.1041
6 Mo CD - $100k0.632.750.031.323.000.1368
1 Yr CD - $100k1.092.750.051.912.630.2382
2 Yr CD - $100k1.242.600.102.233.100.4199
3 Yr CD - $100k1.362.850.152.352.950.6099
Interest Checking - $5k0.090.720.010.160.650.017
Liquid IRA Account0.352.120.020.572.500.0521
Money Market - $2.5k0.292.020.010.371.850.059
Money Market - $10k0.362.050.010.461.850.0510
Money Market - $25k0.452.310.020.601.850.0515
Money Market - $50k0.552.310.020.681.850.0513
Money Market - $100k0.642.400.020.822.100.0518
Money Market - $250k0.682.550.020.892.100.0521
Regular Savings - $1k0.202.100.010.201.970.020
New Car - 36 Mo4.346.302.993.214.991.99-112
New Car - 48 Mo4.436.502.493.425.491.99-100
New Car - 60 Mo4.516.752.493.575.991.99-94
New Car - 72 Mo4.597.002.993.996.492.59-60
Used Car - 36 Mo4.999.002.993.515.241.99-148
Used Car - 48 Mo5.049.002.753.695.491.99-135
Used Car - 60 Mo4.917.122.753.805.991.99-111
Used Car - 72 Mo4.877.873.504.236.292.59-64
New Boat - 60 Mo6.5311.003.805.4311.002.25-110
Rewards Credit Card14.3420.499.9911.0416.246.95-330
Credit Card Platinum13.6426.999.499.7816.157.24-386
Credit Card Classic14.7920.499.9912.0417.257.24-275
Home Equity - LOC5.788.884.755.487.494.50-30
Home Equity - 5 Yr5.518.313.994.848.253.00-67
Home Equity - 10 Yr5.718.033.995.368.253.85-34
Home Equity - 15 Yr6.088.114.495.737.753.85-35
15 Yr Fixed4.5686.1503.6254.2724.7503.116-30
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.7105.5221.0004.6114.8753.375-10
30 Yr Fixed4.8555.7404.1254.7695.2503.761-9
1 Yr ARM4.3745.2503.3503.9645.2582.625-41
3/1 ARM4.1585.2501.0003.8605.1812.125-30
5/1 ARM4.4765.1253.3753.9364.8813.125-54
7/1 ARM4.5945.7503.3754.1814.8133.490-41
New RV - 60 Mo6.6011.153.805.5811.002.25-102
Unsecured - 36 Mo10.2115.995.259.1813.155.74-103
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* Represents the difference in the average rate between banks and credit unions.