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 - $10k0.241.050.010.501.300.1526
6 Mo CD - $10k0.412.050.010.562.100.2015
1 Yr CD - $10k0.491.400.070.812.250.2532
18 Mo CD - $10k0.732.250.031.182.350.4545
2 Yr CD - $10k1.092.650.101.312.500.6521
30 Mo CD - $10k1.232.750.030.891.800.65-34
3 Yr CD - $10k0.892.550.031.292.600.7541
4 Yr CD - $10k1.101.900.031.482.651.0039
5 Yr CD - $10k1.373.000.031.963.501.2559
1 Mo CD - $100k0.180.200.15    
2 Mo CD - $100k0.200.200.20    
3 Mo CD - $100k0.160.250.031.451.451.45129
6 Mo CD - $100k0.220.400.032.252.252.25203
1 Yr CD - $100k0.762.730.102.402.402.40164
2 Yr CD - $100k0.852.620.102.652.652.65180
3 Yr CD - $100k1.042.920.032.752.752.75171
Interest Checking - $5k0.161.750.010.130.350.05-3
Liquid IRA Account0.301.210.030.400.850.0510
Money Market - $2.5k0.070.100.010.361.500.0529
Money Market - $10k0.221.250.010.442.000.0522
Money Market - $25k0.311.250.010.532.000.1022
Money Market - $50k0.371.250.010.622.000.1524
Money Market - $100k0.512.580.010.722.000.2022
Money Market - $250k0.452.580.010.732.000.2028
Regular Savings - $1k0.070.300.010.110.250.054
New Car - 36 Mo4.355.253.133.805.452.99-55
New Car - 48 Mo4.545.503.393.905.452.99-64
New Car - 60 Mo4.795.753.393.935.453.25-85
New Car - 72 Mo5.195.754.004.455.993.25-73
Used Car - 36 Mo5.287.503.504.625.453.99-67
Used Car - 48 Mo5.619.753.594.705.454.00-91
Used Car - 60 Mo4.996.003.594.705.454.00-29
Used Car - 72 Mo5.666.005.345.566.294.50-10
New Boat - 60 Mo7.7410.005.008.169.506.2541
Rewards Credit Card15.9716.9915.2414.2418.248.49-173
Credit Card Platinum13.9215.2411.2411.9914.248.24-193
Credit Card Classic   11.9911.9911.99 
Home Equity - LOC6.199.175.005.366.255.00-83
Home Equity - 5 Yr4.828.113.314.486.253.88-34
Home Equity - 10 Yr5.278.033.784.956.554.49-32
Home Equity - 15 Yr5.698.114.385.276.854.70-42
15 Yr Fixed3.6873.8753.1253.4853.6252.875-20
20 Yr Fixed4.0174.6753.3753.7713.8753.500-25
30 Yr Fixed4.1214.3753.7503.9204.0003.500-20
1 Yr ARM3.0633.0003.0003.2013.3753.00014
3/1 ARM4.0044.5003.5003.6503.6253.375-35
5/1 ARM3.9194.6193.1253.6653.7503.375-25
7/1 ARM4.0504.5443.2503.8243.8753.625-23
New RV - 60 Mo8.1612.505.008.7010.506.5055
Unsecured - 36 Mo10.5815.917.2411.2415.006.9966
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* Represents the difference in the average rate between banks and credit unions.