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 - $10k0.210.700.020.551.300.1534
6 Mo CD - $10k0.361.000.030.933.000.2558
1 Yr CD - $10k0.681.800.071.412.600.5074
18 Mo CD - $10k0.842.800.071.662.750.7082
2 Yr CD - $10k0.922.100.101.862.800.6093
30 Mo CD - $10k0.812.170.101.853.000.75104
3 Yr CD - $10k1.032.250.302.013.350.7598
4 Yr CD - $10k1.212.770.452.223.251.00101
5 Yr CD - $10k1.363.020.502.483.511.25112
1 Mo CD - $100k0.120.600.03    
2 Mo CD - $100k0.150.650.03    
3 Mo CD - $100k0.200.700.030.671.550.4547
6 Mo CD - $100k0.341.000.031.113.000.4077
1 Yr CD - $100k0.691.510.071.542.600.7084
2 Yr CD - $100k0.921.800.101.992.800.80106
3 Yr CD - $100k1.072.300.302.163.350.95109
Interest Checking - $5k0.070.500.010.110.350.054
Liquid IRA Account0.271.110.030.390.850.0512
Money Market - $2.5k0.141.300.010.280.800.0514
Money Market - $10k0.171.300.010.330.850.0516
Money Market - $25k0.241.510.020.360.900.0512
Money Market - $50k0.251.510.020.440.950.0519
Money Market - $100k0.311.510.010.521.250.1521
Money Market - $250k0.321.510.010.551.350.1523
Regular Savings - $1k0.100.260.010.140.300.014
New Car - 36 Mo5.158.993.173.194.742.24-196
New Car - 48 Mo5.158.993.173.424.742.49-174
New Car - 60 Mo5.238.993.173.544.742.74-169
New Car - 72 Mo5.057.090.193.774.992.99-128
Used Car - 36 Mo5.749.253.293.464.992.60-228
Used Car - 48 Mo5.749.253.293.665.292.85-208
Used Car - 60 Mo5.357.503.293.815.293.10-154
Used Car - 72 Mo5.107.253.794.086.293.24-103
New Boat - 60 Mo6.8410.584.755.948.254.49-90
Rewards Credit Card15.1917.999.9910.7316.246.99-446
Credit Card Platinum13.3716.996.0010.8814.247.75-249
Credit Card Classic10.6712.997.6512.3518.007.24169
Home Equity - LOC6.279.915.255.886.755.00-39
Home Equity - 5 Yr5.606.544.975.766.755.2416
Home Equity - 10 Yr6.428.665.746.036.885.25-39
Home Equity - 15 Yr6.788.875.856.177.005.25-61
15 Yr Fixed4.4265.0003.7504.4015.1603.625-2
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.5935.2501.0004.6755.0003.7508
30 Yr Fixed4.8475.3754.3754.8395.2504.125-1
1 Yr ARM4.5404.7504.000 
3/1 ARM3.6175.1251.0003.9414.7502.37532
5/1 ARM4.4275.0003.2504.1034.3753.000-32
7/1 ARM4.4625.1253.3754.4104.6253.750-5
New RV - 60 Mo6.8210.584.756.008.094.49-82
Unsecured - 36 Mo10.4915.995.999.8612.206.49-63
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* Represents the difference in the average rate between banks and credit unions.