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 - $10k0.321.900.010.461.800.0514
6 Mo CD - $10k0.492.250.010.823.000.0533
1 Yr CD - $10k0.882.750.011.232.790.0735
18 Mo CD - $10k1.082.750.051.572.800.0749
2 Yr CD - $10k1.193.040.101.623.250.1042
30 Mo CD - $10k1.293.100.101.653.040.1036
3 Yr CD - $10k1.343.250.101.833.100.1250
4 Yr CD - $10k1.503.350.152.093.150.1259
5 Yr CD - $10k1.823.500.352.293.560.1547
1 Mo CD - $100k0.242.110.010.340.650.0310
2 Mo CD - $100k0.272.180.01    
3 Mo CD - $100k0.322.250.010.511.550.1519
3 Mo CD - $250k   0.650.650.65 
6 Mo CD - $100k0.472.420.011.123.000.2564
6 Mo CD - $250k   1.281.650.90 
1 Yr CD - $100k0.822.750.011.422.790.2060
1 Yr CD - $250k   1.752.251.25 
2 Yr CD - $100k1.063.040.101.823.250.4076
2 Yr CD - $250k   2.202.751.65 
3 Yr CD - $100k1.253.000.102.002.950.6575
3 Yr CD - $250k   2.502.952.05 
Interest Checking - $5k0.111.250.010.173.000.017
Liquid IRA Account0.392.400.010.452.120.026
Money Market - $2.5k0.171.900.010.351.900.0517
Money Market - $10k0.282.200.010.411.900.0513
Money Market - $25k0.362.200.010.561.900.0520
Money Market - $50k0.412.200.010.661.900.0525
Money Market - $100k0.492.200.010.802.200.0531
Money Market - $250k0.522.300.010.852.250.0533
Regular Savings - $1k0.152.100.010.212.100.026
New Car - 36 Mo4.607.781.993.344.501.49-127
New Car - 48 Mo4.737.871.993.464.591.99-127
New Car - 60 Mo4.868.001.993.594.891.99-126
New Car - 72 Mo4.868.232.593.985.491.99-87
Used Car - 36 Mo5.078.751.993.525.241.49-155
Used Car - 48 Mo5.188.751.993.635.291.99-155
Used Car - 60 Mo5.118.751.993.755.291.99-136
Used Car - 72 Mo4.847.252.994.166.291.99-67
New Boat - 60 Mo5.9810.593.255.1910.102.49-79
Rewards Credit Card15.2018.245.0011.8718.007.90-332
Credit Card Platinum13.0417.995.0010.4014.247.90-265
Credit Card Classic12.9521.245.0011.8617.991.00-108
Home Equity - LOC5.919.254.755.437.253.50-48
Home Equity - 5 Yr5.588.413.755.237.742.99-34
Home Equity - 10 Yr6.018.134.255.807.744.00-21
Home Equity - 15 Yr6.428.254.256.377.994.24-6
15 Yr Fixed4.3495.5003.3084.2435.2503.185-11
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.5855.7501.0004.5855.5003.6450
30 Yr Fixed4.7955.8753.9084.7155.7503.855-8
1 Yr ARM4.6645.8752.9903.7515.2191.000-91
3/1 ARM4.1995.6251.0003.9315.3751.000-27
5/1 ARM4.3295.6253.1254.1545.7501.000-18
7/1 ARM4.3135.5003.2504.1434.7851.000-17
New RV - 60 Mo5.9510.593.255.1810.102.49-77
Unsecured - 36 Mo9.9418.014.999.3413.494.99-59
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* Represents the difference in the average rate between banks and credit unions.