RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,054 financial institution locations in 19,540 markets across the United States as of 7/19/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.080.080.081.301.301.30122
6 Mo CD - $10k0.130.130.132.182.252.10205
1 Yr CD - $10k0.250.250.252.302.352.25205
18 Mo CD - $10k   2.302.352.25 
2 Yr CD - $10k0.350.350.352.532.552.50218
3 Yr CD - $10k0.500.500.502.602.602.60210
4 Yr CD - $10k0.750.750.752.652.652.65190
5 Yr CD - $10k1.251.251.253.133.502.75188
1 Mo CD - $100k0.120.120.12    
3 Mo CD - $100k0.650.650.651.451.451.4580
6 Mo CD - $100k1.001.001.002.152.252.05115
1 Yr CD - $100k1.451.451.452.252.402.1080
2 Yr CD - $100k1.951.951.952.482.652.3053
3 Yr CD - $100k0.550.550.552.552.752.35200
Interest Checking - $5k0.050.050.050.280.350.2023
Liquid IRA Account0.130.130.131.552.250.85142
Money Market - $2.5k0.070.070.070.430.800.0536
Money Market - $10k0.110.110.110.480.850.1037
Money Market - $25k0.150.150.150.500.900.1035
Money Market - $50k0.150.150.150.530.950.1038
Money Market - $100k0.210.210.210.701.250.1549
Money Market - $250k0.210.210.210.751.350.1554
Regular Savings - $1k0.070.070.070.150.250.058
New Car - 36 Mo3.503.503.502.742.992.49-76
New Car - 48 Mo3.503.503.503.593.693.499
New Car - 60 Mo3.503.503.503.723.743.6922
New Car - 72 Mo3.753.753.753.993.993.9924
Used Car - 36 Mo4.504.504.504.494.993.99-1
Used Car - 48 Mo4.504.504.505.275.295.2477
Used Car - 60 Mo4.504.504.505.395.495.2989
Used Car - 72 Mo4.754.754.756.096.295.89134
New Boat - 60 Mo5.505.505.507.208.256.15170
Rewards Credit Card15.1218.2412.0011.6211.9911.24-351
Credit Card Classic16.0016.0016.0012.9912.9912.99-301
Credit Card Platinum   10.1211.998.24 
Home Equity - LOC   5.886.255.50 
Home Equity - 5 Yr   5.806.255.34 
Home Equity - 10 Yr   6.076.555.59 
Home Equity - 15 Yr   6.356.855.84 
15 Yr Fixed3.4073.3032.875 
20 Yr Fixed3.8083.6953.695 
30 Yr Fixed3.9173.9263.500 
1 Yr ARM4.6604.5754.575 
3/1 ARM4.4654.2284.228 
5/1 ARM4.3574.1874.187 
7/1 ARM4.2764.1924.192 
New RV - 60 Mo5.505.505.507.128.096.15162
Unsecured - 36 Mo7.007.007.007.348.196.4934
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* Represents the difference in the average rate between banks and credit unions.