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 - $10k0.282.780.010.637.000.0235
6 Mo CD - $10k0.502.950.011.043.000.0154
1 Yr CD - $10k0.813.200.011.522.950.0171
18 Mo CD - $10k0.943.300.021.743.200.0180
2 Yr CD - $10k1.073.400.021.863.140.0579
30 Mo CD - $10k0.903.240.021.993.330.05109
3 Yr CD - $10k1.143.290.022.063.500.0592
4 Yr CD - $10k1.233.550.022.243.500.05101
5 Yr CD - $10k1.444.000.022.484.000.05104
1 Mo CD - $100k0.172.190.010.471.510.0229
2 Mo CD - $100k0.152.260.010.531.510.0238
3 Mo CD - $100k0.282.780.010.713.000.0242
6 Mo CD - $100k0.512.950.011.193.000.0568
1 Yr CD - $100k0.833.200.011.682.960.0585
2 Yr CD - $100k1.063.400.032.033.260.1597
3 Yr CD - $100k1.093.290.012.213.400.20112
Interest Checking - $5k0.092.000.010.144.050.015
Liquid IRA Account0.263.290.010.533.460.0127
Money Market - $2.5k0.182.700.010.423.500.0124
Money Market - $10k0.262.700.010.482.250.0122
Money Market - $25k0.342.700.010.572.500.0123
Money Market - $50k0.402.700.010.662.750.0126
Money Market - $100k0.472.700.010.773.000.0130
Money Market - $250k0.522.750.010.833.000.0131
Regular Savings - $1k0.124.000.010.192.100.017
New Car - 36 Mo4.6615.501.993.509.991.29-116
New Car - 48 Mo4.7311.751.993.669.991.49-107
New Car - 60 Mo4.8412.751.993.789.991.59-106
New Car - 72 Mo4.9013.752.554.129.991.59-78
Used Car - 36 Mo5.0915.501.993.759.991.49-134
Used Car - 48 Mo5.1513.751.993.899.991.49-126
Used Car - 60 Mo5.0712.751.994.009.991.59-107
Used Car - 72 Mo4.9713.752.744.359.991.59-62
New Boat - 60 Mo6.9115.502.745.5811.001.00-133
Rewards Credit Card15.3420.994.9911.5618.241.00-378
Credit Card Platinum14.2726.995.0010.3021.151.00-397
Credit Card Classic13.6024.255.0011.7018.501.00-189
Home Equity - LOC6.5410.533.955.5713.251.00-97
Home Equity - 5 Yr5.6411.002.485.0511.501.00-59
Home Equity - 10 Yr6.0011.002.995.4912.001.00-51
Home Equity - 15 Yr6.289.503.755.8412.501.00-44
15 Yr Fixed4.0938.7502.9774.0437.3751.000-5
20 Yr Fixed4.4137.5501.0004.3726.5001.000-4
30 Yr Fixed4.5187.8403.4324.4687.0001.000-5
1 Yr ARM4.1776.5001.5003.7676.5001.000-41
3/1 ARM4.1167.7501.0003.8696.2501.000-25
5/1 ARM4.1608.5002.6253.9136.4500.010-25
7/1 ARM4.2376.6502.8754.1046.2501.000-13
New RV - 60 Mo7.0015.502.495.6211.501.00-139
Unsecured - 36 Mo9.7018.962.509.4621.003.25-24
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* Represents the difference in the average rate between banks and credit unions.