RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,054 financial institution locations in 19,540 markets across the United States as of 7/19/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.230.350.050.630.850.3041
6 Mo CD - $10k0.441.010.201.172.250.4073
1 Yr CD - $10k0.540.800.201.592.350.50105
18 Mo CD - $10k0.731.500.202.172.501.75144
2 Yr CD - $10k0.761.060.201.822.550.70106
30 Mo CD - $10k0.861.150.70    
3 Yr CD - $10k0.911.210.401.992.600.80108
4 Yr CD - $10k0.941.150.602.402.652.05146
5 Yr CD - $10k1.271.500.802.462.751.90120
1 Mo CD - $100k0.150.150.15    
2 Mo CD - $100k0.200.200.20    
3 Mo CD - $100k0.300.300.300.580.850.3028
6 Mo CD - $100k2.352.352.351.202.050.45-115
1 Yr CD - $100k2.502.502.501.592.400.55-91
2 Yr CD - $100k2.202.202.201.742.450.70-46
3 Yr CD - $100k2.152.152.151.892.550.80-26
Interest Checking - $5k0.090.200.010.130.200.053
Liquid IRA Account0.200.200.200.962.250.2576
Money Market - $2.5k0.050.050.050.180.350.0513
Money Market - $10k0.100.150.050.300.750.1020
Money Market - $25k0.130.200.050.701.750.1058
Money Market - $50k0.530.750.300.771.750.1025
Money Market - $100k1.342.270.400.831.750.15-51
Money Market - $250k1.462.270.650.911.750.15-55
Regular Savings - $1k0.130.250.040.080.150.05-5
New Car - 36 Mo5.616.334.253.154.302.24-246
New Car - 48 Mo5.556.334.503.834.893.24-172
New Car - 60 Mo5.606.334.753.984.893.24-161
New Car - 72 Mo5.946.335.404.435.893.24-151
Used Car - 36 Mo6.807.946.333.784.453.24-301
Used Car - 48 Mo6.957.946.334.365.243.49-259
Used Car - 60 Mo6.857.946.334.565.493.74-229
Used Car - 72 Mo6.997.946.505.195.894.34-179
New Boat - 60 Mo5.786.335.406.127.894.9934
Rewards Credit Card14.5219.999.9511.8013.658.99-271
Credit Card Platinum15.2419.999.9511.3311.9910.75-391
Credit Card Classic13.6916.999.9512.0712.9911.15-162
Home Equity - LOC6.006.006.005.385.755.00-63
Home Equity - 5 Yr   5.806.255.34 
Home Equity - 10 Yr   5.997.005.38 
Home Equity - 15 Yr   6.247.505.38 
15 Yr Fixed4.1284.6253.2823.9124.2543.125-22
20 Yr Fixed4.3864.6254.0004.1934.4513.500-19
30 Yr Fixed4.4274.7503.8384.3474.6493.750-8
1 Yr ARM3.8754.5752.750 
3/1 ARM4.3174.8463.500 
5/1 ARM4.2134.1464.1464.2284.6533.2502
7/1 ARM4.1794.1124.1124.3094.5983.62513
New RV - 60 Mo5.716.335.405.686.244.99-3
Unsecured - 36 Mo8.048.756.998.0911.255.755
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* Represents the difference in the average rate between banks and credit unions.