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 - $10k0.462.320.010.621.000.1016
6 Mo CD - $10k0.601.910.011.042.170.2044
1 Yr CD - $10k1.032.450.051.542.400.5051
18 Mo CD - $10k1.312.750.051.852.750.6554
2 Yr CD - $10k1.402.900.101.712.600.7532
30 Mo CD - $10k1.272.680.101.181.650.75-9
3 Yr CD - $10k1.503.250.152.062.751.1056
4 Yr CD - $10k1.543.300.302.262.801.3071
5 Yr CD - $10k1.723.450.352.453.001.5073
1 Mo CD - $100k0.381.710.01    
2 Mo CD - $100k0.220.950.01    
3 Mo CD - $100k0.492.320.010.691.110.1021
6 Mo CD - $100k0.622.020.010.972.270.2535
1 Yr CD - $100k1.032.450.051.362.380.5033
2 Yr CD - $100k1.332.800.101.562.530.7524
3 Yr CD - $100k1.392.940.152.012.681.1562
Interest Checking - $5k0.191.250.010.090.200.03-10
Liquid IRA Account0.532.220.010.521.500.15-1
Money Market - $2.5k0.291.060.010.421.000.1013
Money Market - $10k0.361.700.010.461.050.0511
Money Market - $25k0.421.910.010.681.750.1026
Money Market - $50k0.481.910.010.771.750.2029
Money Market - $100k0.561.910.010.831.750.2528
Money Market - $250k0.622.060.010.902.000.2529
Regular Savings - $1k0.231.250.010.150.450.01-8
New Car - 36 Mo5.417.252.743.134.091.75-228
New Car - 48 Mo5.427.253.243.384.242.49-204
New Car - 60 Mo5.497.503.543.484.492.49-201
New Car - 72 Mo5.407.502.743.764.992.50-165
Used Car - 36 Mo5.787.953.743.244.391.75-254
Used Car - 48 Mo5.837.953.743.494.392.49-234
Used Car - 60 Mo5.717.753.743.584.492.49-213
Used Car - 72 Mo5.437.254.294.024.992.95-141
New Boat - 60 Mo6.7110.604.555.3110.193.65-139
Rewards Credit Card13.7918.248.9911.4213.657.49-237
Credit Card Platinum12.8217.749.998.4011.244.90-443
Credit Card Classic15.0121.0010.248.9912.906.90-602
Home Equity - LOC6.218.885.005.758.005.00-46
Home Equity - 5 Yr6.076.754.665.376.993.25-71
Home Equity - 10 Yr6.286.755.635.526.993.25-76
Home Equity - 15 Yr6.627.005.884.756.003.25-187
15 Yr Fixed4.2184.7503.6254.1804.5003.625-4
20 Yr Fixed4.4214.7501.0004.3844.6253.875-4
30 Yr Fixed4.6425.1254.0004.6205.1254.125-2
1 Yr ARM5.4955.9505.1254.1394.0004.000-136
3/1 ARM4.5816.2501.0004.5624.7504.000-2
5/1 ARM4.5146.5003.5004.3515.1254.000-16
7/1 ARM4.5026.6503.6254.1994.3754.000-30
New RV - 60 Mo6.7010.604.505.3110.193.65-138
Unsecured - 36 Mo8.8814.956.259.0513.305.7418
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* Represents the difference in the average rate between banks and credit unions.