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 - $10k0.371.750.030.591.300.3021
6 Mo CD - $10k0.431.750.051.043.000.5061
1 Yr CD - $10k0.882.500.081.382.350.8550
18 Mo CD - $10k1.082.750.101.412.500.5533
2 Yr CD - $10k0.942.300.151.592.551.0565
30 Mo CD - $10k0.731.700.151.572.401.1084
3 Yr CD - $10k1.282.900.251.782.601.2549
4 Yr CD - $10k0.691.800.251.972.651.30128
5 Yr CD - $10k1.512.900.352.123.001.2561
1 Mo CD - $100k0.080.120.05    
2 Mo CD - $100k0.070.100.050.400.400.4033
3 Mo CD - $100k0.310.660.051.101.550.6579
6 Mo CD - $100k0.401.000.071.213.000.5081
1 Yr CD - $100k0.781.450.151.432.500.6565
2 Yr CD - $100k0.911.950.201.652.751.1074
3 Yr CD - $100k0.941.750.301.832.851.2589
Interest Checking - $5k0.080.300.020.120.650.054
Liquid IRA Account0.160.300.020.772.520.1061
Money Market - $2.5k0.351.200.030.270.800.05-8
Money Market - $10k0.371.450.040.370.850.100
Money Market - $25k0.381.450.040.400.900.103
Money Market - $50k0.512.000.040.430.950.10-8
Money Market - $100k0.552.000.060.531.250.15-2
Money Market - $250k0.592.100.060.571.500.15-2
Regular Savings - $1k0.211.000.020.160.300.05-5
New Car - 36 Mo5.417.504.652.503.591.49-291
New Car - 48 Mo5.547.754.652.823.691.99-272
New Car - 60 Mo5.918.004.752.933.741.99-298
New Car - 72 Mo6.838.504.753.564.302.74-327
Used Car - 36 Mo6.008.754.752.954.991.75-305
Used Car - 48 Mo6.249.254.753.295.291.75-295
Used Car - 60 Mo6.989.504.753.425.492.25-356
Used Car - 72 Mo   4.166.292.75 
New Boat - 60 Mo5.556.244.755.828.254.1027
Rewards Credit Card16.9618.2416.2410.2214.237.75-674
Credit Card Platinum13.9114.2412.249.8211.997.90-409
Credit Card Classic   12.6115.259.99 
Home Equity - LOC5.967.105.005.586.504.25-38
Home Equity - 5 Yr5.255.255.254.786.563.00-47
Home Equity - 10 Yr5.505.505.506.166.565.5966
Home Equity - 15 Yr5.755.755.755.436.853.75-32
15 Yr Fixed4.0154.2503.0003.8674.1253.365-15
20 Yr Fixed4.3814.3754.0004.2294.5003.365-15
30 Yr Fixed4.4074.6253.6254.3654.7503.875-4
1 Yr ARM2.8592.8752.5004.2945.0313.625143
3/1 ARM3.5213.7503.0003.9554.9932.12543
5/1 ARM3.7484.5823.1253.8774.6352.87513
7/1 ARM3.9514.6253.2504.1204.5673.50017
New RV - 60 Mo5.556.244.755.938.094.5038
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.