RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,125 financial institution locations in 19,540 markets across the United States as of 7/20/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.240.850.020.621.300.1538
6 Mo CD - $10k0.431.050.030.992.100.3556
1 Yr CD - $10k0.701.800.071.562.500.5086
18 Mo CD - $10k0.742.150.071.742.450.90100
2 Yr CD - $10k0.952.100.101.932.500.6098
30 Mo CD - $10k0.732.170.101.932.550.95120
3 Yr CD - $10k1.042.170.252.112.600.75107
4 Yr CD - $10k1.132.370.302.252.651.00112
5 Yr CD - $10k1.282.520.352.513.501.25123
1 Mo CD - $100k0.170.600.03    
2 Mo CD - $100k0.160.650.03    
3 Mo CD - $100k0.230.800.030.751.450.4552
6 Mo CD - $100k0.401.000.031.182.250.6578
1 Yr CD - $100k0.752.600.071.632.400.9088
2 Yr CD - $100k0.901.770.102.132.651.01123
3 Yr CD - $100k0.991.870.252.252.751.16126
Interest Checking - $5k0.120.750.010.110.350.05-1
Liquid IRA Account0.271.110.030.400.850.0513
Money Market - $2.5k0.141.300.010.290.800.0514
Money Market - $10k0.191.300.010.340.850.0514
Money Market - $25k0.261.510.010.390.900.0514
Money Market - $50k0.311.510.010.460.950.0515
Money Market - $100k0.371.510.010.541.250.1517
Money Market - $250k0.371.510.010.571.350.1519
Regular Savings - $1k0.130.700.010.140.300.011
New Car - 36 Mo5.128.993.293.254.201.49-187
New Car - 48 Mo5.178.993.293.544.202.49-163
New Car - 60 Mo5.258.993.293.644.202.74-162
New Car - 72 Mo5.397.093.753.924.292.99-147
Used Car - 36 Mo5.629.103.293.504.992.49-211
Used Car - 48 Mo5.719.103.293.775.292.99-193
Used Car - 60 Mo5.478.493.293.905.292.99-157
Used Car - 72 Mo4.906.353.794.246.293.49-66
New Boat - 60 Mo6.8010.585.066.058.994.50-75
Rewards Credit Card15.1718.249.9910.5316.246.99-465
Credit Card Platinum13.0017.246.0010.8614.248.00-214
Credit Card Classic10.6612.997.6512.4418.008.49178
Home Equity - LOC6.359.915.505.867.004.82-49
Home Equity - 5 Yr5.486.394.795.546.754.496
Home Equity - 10 Yr6.046.405.295.706.884.75-35
Home Equity - 15 Yr6.466.865.855.927.004.99-55
15 Yr Fixed3.9794.5003.1253.8195.1602.875-16
20 Yr Fixed4.2494.8751.0004.1924.6253.613-6
30 Yr Fixed4.4535.2503.8754.3094.8753.500-14
1 Yr ARM4.1634.7503.250 
3/1 ARM3.4424.7501.0003.6664.1253.12522
5/1 ARM4.4015.0003.7503.7644.6253.000-64
7/1 ARM4.3815.1253.6253.9574.5003.250-42
New RV - 60 Mo6.8110.585.066.128.994.50-68
Unsecured - 36 Mo10.5615.995.999.8112.206.49-75
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* Represents the difference in the average rate between banks and credit unions.