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 - $10k0.080.080.081.301.301.30122
6 Mo CD - $10k0.130.130.132.703.002.40257
1 Yr CD - $10k0.250.250.252.432.602.25218
18 Mo CD - $10k   2.552.752.35 
2 Yr CD - $10k0.350.350.352.652.802.50230
3 Yr CD - $10k0.500.500.502.752.902.60225
4 Yr CD - $10k0.750.750.752.802.952.65205
5 Yr CD - $10k1.251.251.253.083.153.00183
1 Mo CD - $100k0.120.120.12    
3 Mo CD - $100k0.650.650.651.551.551.5590
6 Mo CD - $100k1.001.001.002.703.002.40170
1 Yr CD - $100k1.451.451.452.552.602.50110
2 Yr CD - $100k1.951.951.952.782.802.7583
3 Yr CD - $100k0.550.550.552.882.902.85233
Interest Checking - $5k0.050.050.050.280.350.2023
Liquid IRA Account0.130.130.131.682.500.85155
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 Mo4.004.004.002.742.992.49-126
New Car - 48 Mo4.254.254.253.593.693.49-66
New Car - 60 Mo4.504.504.503.723.743.69-79
New Car - 72 Mo4.634.634.633.993.993.99-64
Used Car - 36 Mo4.004.004.004.244.993.4924
Used Car - 48 Mo4.254.254.254.645.293.9939
Used Car - 60 Mo4.384.384.384.795.294.2942
Used Car - 72 Mo4.754.754.755.396.294.4964
New Boat - 60 Mo5.005.005.007.208.256.15220
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 Yr4.254.254.255.806.255.34155
Home Equity - 10 Yr4.384.384.386.076.555.59170
Home Equity - 15 Yr4.504.504.506.356.855.84185
15 Yr Fixed4.1013.9293.625 
20 Yr Fixed4.4384.3224.322 
30 Yr Fixed4.5434.5534.125 
1 Yr ARM5.3475.2585.258 
3/1 ARM3.8695.1812.375 
5/1 ARM4.1414.8813.125 
7/1 ARM4.9004.8134.813 
New RV - 60 Mo5.005.005.007.128.096.15212
Unsecured - 36 Mo7.638.257.007.348.196.49-29
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* Represents the difference in the average rate between banks and credit unions.