RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 217,313 financial institution locations in 19,535 markets across the United States as of 4/25/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.382.780.010.671.510.2529
6 Mo CD - $10k0.632.780.011.173.000.2054
1 Yr CD - $10k1.002.780.051.702.860.4071
18 Mo CD - $10k1.082.780.052.022.850.4594
2 Yr CD - $10k1.212.780.101.973.140.6076
30 Mo CD - $10k1.052.780.102.142.751.60109
3 Yr CD - $10k1.373.010.152.223.351.2585
4 Yr CD - $10k1.473.040.252.463.401.3599
5 Yr CD - $10k1.713.300.302.723.511.55101
1 Mo CD - $100k0.190.500.011.511.511.51132
2 Mo CD - $100k0.210.600.011.511.511.51130
3 Mo CD - $100k0.382.780.010.681.550.2530
6 Mo CD - $100k0.652.780.011.233.000.4557
1 Yr CD - $100k1.022.780.051.762.961.0574
2 Yr CD - $100k1.222.780.101.983.261.2075
3 Yr CD - $100k1.342.750.152.193.401.5085
Interest Checking - $5k0.130.500.010.190.750.056
Liquid IRA Account0.311.000.010.592.020.1028
Money Market - $2.5k0.231.750.010.461.250.2023
Money Market - $10k0.291.750.010.511.250.2022
Money Market - $25k0.372.010.010.581.310.2521
Money Market - $50k0.442.010.010.651.410.3020
Money Market - $100k0.512.010.010.751.610.3024
Money Market - $250k0.552.010.010.771.710.3022
Regular Savings - $1k0.170.650.010.322.020.0515
New Car - 36 Mo5.149.002.492.944.651.74-220
New Car - 48 Mo5.219.002.503.134.851.74-208
New Car - 60 Mo5.319.502.503.404.851.74-191
New Car - 72 Mo5.247.792.993.805.992.24-144
Used Car - 36 Mo5.769.002.493.224.991.74-253
Used Car - 48 Mo5.819.002.503.405.291.74-241
Used Car - 60 Mo5.679.502.993.635.291.74-204
Used Car - 72 Mo4.805.903.254.026.292.24-78
New Boat - 60 Mo6.2510.583.154.758.502.49-151
Rewards Credit Card13.7018.248.4910.2814.007.90-342
Credit Card Platinum13.6717.746.908.7411.746.90-492
Credit Card Classic13.8418.158.9011.6818.007.24-216
Home Equity - LOC5.937.575.005.717.004.50-23
Home Equity - 5 Yr5.707.994.655.506.383.50-20
Home Equity - 10 Yr6.017.995.005.947.004.75-7
Home Equity - 15 Yr6.077.185.005.947.004.85-13
15 Yr Fixed4.2915.3753.3754.0634.9003.375-23
20 Yr Fixed4.4245.1251.0004.3334.7503.875-9
30 Yr Fixed4.6396.0003.8754.4335.0003.875-21
1 Yr ARM4.0044.0003.8753.4053.6252.850-60
3/1 ARM3.7984.5001.0003.5033.8752.125-30
5/1 ARM4.3225.5003.2503.6954.1252.875-63
7/1 ARM4.3494.8753.5003.9745.0003.000-38
New RV - 60 Mo6.2410.583.154.748.502.49-150
Unsecured - 36 Mo9.2716.755.259.3218.005.745
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* Represents the difference in the average rate between banks and credit unions.