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 - $10k0.552.100.010.792.540.1024
6 Mo CD - $10k0.842.950.011.213.000.1037
1 Yr CD - $10k1.263.200.011.772.690.2051
18 Mo CD - $10k1.423.300.051.972.850.0555
2 Yr CD - $10k1.513.400.102.052.900.0554
30 Mo CD - $10k1.482.900.102.263.330.0578
3 Yr CD - $10k1.663.140.152.243.100.0558
4 Yr CD - $10k1.773.290.252.423.250.0564
5 Yr CD - $10k1.923.550.252.653.550.0573
1 Mo CD - $100k0.341.590.010.350.350.351
2 Mo CD - $100k0.391.690.010.350.350.35-4
3 Mo CD - $100k0.642.100.010.902.120.2526
6 Mo CD - $100k0.962.950.011.403.000.4044
1 Yr CD - $100k1.453.200.012.022.790.6056
2 Yr CD - $100k1.643.400.102.313.051.0067
3 Yr CD - $100k1.803.000.152.443.201.4064
Interest Checking - $5k0.161.250.010.120.650.01-4
Liquid IRA Account0.652.630.010.552.250.01-11
Money Market - $2.5k0.292.000.010.371.850.028
Money Market - $10k0.352.270.010.431.850.027
Money Market - $25k0.412.270.010.501.850.038
Money Market - $50k0.482.270.010.551.850.057
Money Market - $100k0.582.270.010.611.850.053
Money Market - $250k0.672.370.010.652.000.05-2
Regular Savings - $1k0.222.100.010.212.020.01-1
New Car - 36 Mo5.1215.502.303.435.751.99-169
New Car - 48 Mo5.1611.752.303.596.501.99-157
New Car - 60 Mo5.2812.752.453.727.501.99-156
New Car - 72 Mo5.2713.752.554.028.752.25-125
Used Car - 36 Mo5.8615.502.493.696.751.99-218
Used Car - 48 Mo5.9413.752.593.847.001.99-211
Used Car - 60 Mo5.6512.753.243.957.751.99-170
Used Car - 72 Mo5.6713.753.244.236.292.99-144
New Boat - 60 Mo6.3815.502.745.6010.502.49-78
Rewards Credit Card15.8918.248.5011.5916.906.99-430
Credit Card Platinum12.9826.996.0010.1916.004.90-279
Credit Card Classic12.8521.247.6511.3517.255.50-151
Home Equity - LOC6.3810.034.505.666.994.00-72
Home Equity - 5 Yr5.6411.003.005.197.612.99-45
Home Equity - 10 Yr5.9211.003.755.538.503.50-39
Home Equity - 15 Yr6.127.994.005.729.503.73-40
15 Yr Fixed4.3075.3503.5004.1295.5003.085-18
20 Yr Fixed4.5325.5001.0004.4436.0003.695-9
30 Yr Fixed4.7095.7503.8754.5826.7503.801-13
1 Yr ARM4.5776.5003.3754.2245.0312.750-35
3/1 ARM4.5317.7501.0004.2075.3752.125-32
5/1 ARM4.6458.5003.6254.0474.6352.625-60
7/1 ARM4.4945.8753.5004.2114.6493.000-28
New RV - 60 Mo6.4115.502.745.5811.502.25-83
Unsecured - 36 Mo9.3017.754.759.1213.305.74-18
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* Represents the difference in the average rate between banks and credit unions.