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 - $10k0.291.900.010.501.510.0521
6 Mo CD - $10k0.442.010.010.813.090.0537
1 Yr CD - $10k0.812.750.011.302.750.1350
18 Mo CD - $10k0.922.800.031.512.750.1559
2 Yr CD - $10k1.152.950.101.612.750.2046
30 Mo CD - $10k1.063.000.031.973.090.5091
3 Yr CD - $10k1.273.050.031.833.100.2556
4 Yr CD - $10k1.483.200.032.083.200.2560
5 Yr CD - $10k1.733.350.032.403.300.6567
1 Mo CD - $100k0.301.500.01    
2 Mo CD - $100k0.341.500.01    
3 Mo CD - $100k0.391.900.010.531.110.0514
6 Mo CD - $100k0.512.010.010.821.500.0531
1 Yr CD - $100k0.962.750.011.592.350.3063
2 Yr CD - $100k1.192.850.101.752.750.2555
3 Yr CD - $100k1.383.050.031.882.900.2550
Interest Checking - $5k0.090.900.010.120.400.012
Liquid IRA Account0.282.280.030.472.250.0119
Money Market - $2.5k0.121.000.010.301.420.0318
Money Market - $10k0.171.000.010.341.650.0316
Money Market - $25k0.222.160.010.411.890.0319
Money Market - $50k0.282.160.010.501.890.0322
Money Market - $100k0.362.160.010.591.890.0323
Money Market - $250k0.422.160.010.652.000.0323
Regular Savings - $1k0.132.100.010.142.020.012
New Car - 36 Mo4.317.252.993.469.991.99-85
New Car - 48 Mo4.357.252.993.569.991.99-79
New Car - 60 Mo4.407.252.993.659.992.25-75
New Car - 72 Mo4.496.053.114.009.992.49-49
Used Car - 36 Mo4.577.753.243.559.991.99-102
Used Car - 48 Mo4.637.753.243.659.992.25-98
Used Car - 60 Mo4.647.753.443.749.992.25-90
Used Car - 72 Mo4.786.053.574.139.992.74-65
New Boat - 60 Mo5.9610.603.504.719.992.25-125
Rewards Credit Card15.8418.2411.4911.0015.747.80-485
Credit Card Platinum13.4917.2411.2410.1716.747.24-332
Credit Card Classic13.0616.2510.4012.4416.906.90-62
Home Equity - LOC5.908.544.755.467.503.90-44
Home Equity - 5 Yr5.447.453.505.047.303.50-40
Home Equity - 10 Yr5.847.745.005.447.503.75-40
Home Equity - 15 Yr6.217.995.105.777.753.75-44
15 Yr Fixed4.3464.8753.7504.3625.0003.2132
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.6435.0004.0004.6625.1254.2502
30 Yr Fixed4.7855.1254.1254.8005.3754.2502
1 Yr ARM4.0015.6002.9904.1194.7503.50012
3/1 ARM4.2256.0001.0004.3124.6253.6259
5/1 ARM4.4846.2702.8754.1745.6253.375-31
7/1 ARM4.5636.5203.2504.2464.5003.750-32
New RV - 60 Mo6.0110.603.504.739.992.25-128
Unsecured - 36 Mo10.1918.965.009.0015.255.50-119
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* Represents the difference in the average rate between banks and credit unions.