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 - $10k0.562.100.010.752.080.1019
6 Mo CD - $10k0.862.500.011.192.250.1033
1 Yr CD - $10k1.272.850.011.722.520.2045
18 Mo CD - $10k1.372.900.051.922.750.0555
2 Yr CD - $10k1.492.950.102.002.780.0551
30 Mo CD - $10k1.422.900.102.233.330.0582
3 Yr CD - $10k1.593.140.152.173.030.0557
4 Yr CD - $10k1.683.290.252.323.040.0563
5 Yr CD - $10k1.823.550.252.513.500.0568
1 Mo CD - $100k0.361.590.010.350.350.35-1
2 Mo CD - $100k0.411.690.010.350.350.35-6
3 Mo CD - $100k0.662.100.010.862.120.2520
6 Mo CD - $100k0.992.500.011.342.270.4035
1 Yr CD - $100k1.452.850.011.942.680.6049
2 Yr CD - $100k1.612.950.102.202.831.0060
3 Yr CD - $100k1.733.000.202.332.941.4060
Interest Checking - $5k0.161.250.010.142.500.01-3
Liquid IRA Account0.652.630.010.572.250.01-9
Money Market - $2.5k0.291.750.010.371.850.028
Money Market - $10k0.352.270.010.431.850.028
Money Market - $25k0.412.270.010.521.850.0311
Money Market - $50k0.482.270.010.582.250.0510
Money Market - $100k0.592.270.010.652.250.055
Money Market - $250k0.672.370.010.682.250.051
Regular Savings - $1k0.212.100.010.222.020.010
New Car - 36 Mo5.1615.752.303.415.751.49-176
New Car - 48 Mo5.2111.752.303.596.501.99-162
New Car - 60 Mo5.3112.752.453.707.501.99-161
New Car - 72 Mo5.3113.752.554.008.752.25-131
Used Car - 36 Mo5.8915.752.493.666.001.99-223
Used Car - 48 Mo5.9513.753.143.847.001.99-212
Used Car - 60 Mo5.6712.753.243.947.751.99-173
Used Car - 72 Mo5.7113.753.544.236.292.59-148
New Boat - 60 Mo6.4015.752.745.6210.502.49-78
Rewards Credit Card15.8618.248.5011.5516.906.99-431
Credit Card Platinum13.0226.996.0010.1216.003.99-290
Credit Card Classic12.9021.247.6511.3917.255.50-150
Home Equity - LOC6.409.784.505.636.754.00-77
Home Equity - 5 Yr5.6611.002.155.117.612.99-55
Home Equity - 10 Yr5.9611.002.155.478.503.50-49
Home Equity - 15 Yr5.997.992.155.669.503.73-33
15 Yr Fixed4.1455.7503.1253.8255.5002.875-32
20 Yr Fixed4.3196.0001.0004.1566.0003.250-16
30 Yr Fixed4.4806.5003.6254.3256.7503.500-15
1 Yr ARM4.6426.5003.3754.1274.7502.750-51
3/1 ARM4.4777.7501.0003.8295.0002.375-65
5/1 ARM4.5828.5002.6253.7364.3752.625-85
7/1 ARM4.3425.5002.8753.9054.6493.000-44
New RV - 60 Mo6.4415.752.745.6011.502.25-84
Unsecured - 36 Mo9.4317.754.759.1213.305.74-31
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* Represents the difference in the average rate between banks and credit unions.