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 - $10k0.210.660.030.591.300.3038
6 Mo CD - $10k0.381.250.051.023.000.3564
1 Yr CD - $10k0.842.500.081.332.600.4549
18 Mo CD - $10k0.842.750.101.422.750.5558
2 Yr CD - $10k0.862.300.101.552.800.7069
30 Mo CD - $10k0.641.750.151.432.401.1079
3 Yr CD - $10k1.162.900.151.732.900.9057
4 Yr CD - $10k0.631.850.252.012.951.30138
5 Yr CD - $10k1.372.900.352.163.151.2579
1 Mo CD - $100k0.070.120.05    
2 Mo CD - $100k0.060.100.050.400.400.4034
3 Mo CD - $100k0.270.660.051.101.550.6583
6 Mo CD - $100k0.401.000.071.223.000.5083
1 Yr CD - $100k0.781.500.151.412.600.6563
2 Yr CD - $100k0.801.950.201.692.801.1089
3 Yr CD - $100k0.851.800.301.862.901.25101
Interest Checking - $5k0.080.300.020.120.650.054
Liquid IRA Account0.140.300.020.782.570.1065
Money Market - $2.5k0.351.200.030.250.800.05-10
Money Market - $10k0.371.450.040.350.850.10-2
Money Market - $25k0.381.450.040.380.900.101
Money Market - $50k0.512.000.040.410.950.10-10
Money Market - $100k0.552.000.060.511.250.15-4
Money Market - $250k0.592.100.060.551.500.15-4
Regular Savings - $1k0.130.300.020.160.300.053
New Car - 36 Mo5.417.504.652.523.591.49-289
New Car - 48 Mo5.547.754.652.823.691.99-272
New Car - 60 Mo5.918.004.752.953.742.49-296
New Car - 72 Mo6.838.504.753.544.302.74-329
Used Car - 36 Mo6.008.754.752.924.991.75-308
Used Car - 48 Mo6.249.254.753.215.291.75-303
Used Car - 60 Mo6.989.504.753.365.292.25-362
Used Car - 72 Mo   4.056.292.75 
New Boat - 60 Mo5.556.244.755.628.253.907
Rewards Credit Card16.9618.2416.2410.1914.237.75-677
Credit Card Platinum13.9114.2412.249.6711.997.75-423
Credit Card Classic   12.6115.259.99 
Home Equity - LOC5.967.105.255.506.504.25-47
Home Equity - 5 Yr5.255.255.254.786.563.00-47
Home Equity - 10 Yr5.505.505.506.166.565.5966
Home Equity - 15 Yr5.755.755.756.276.855.8452
15 Yr Fixed4.1404.2503.2504.1434.5003.5230
20 Yr Fixed4.3894.4004.1254.5534.7503.62516
30 Yr Fixed4.5815.1254.0004.6755.0004.1259
1 Yr ARM2.8152.8752.5004.3395.2583.625152
3/1 ARM3.5533.7503.1254.0725.1812.37552
5/1 ARM3.8054.7503.2503.9574.8813.12515
7/1 ARM4.0354.7503.3754.1214.8133.3759
New RV - 60 Mo5.556.244.755.738.094.0018
Unsecured - 36 Mo7.199.755.496.2710.453.99-92
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* Represents the difference in the average rate between banks and credit unions.