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 - $10k0.310.750.010.891.950.2558
6 Mo CD - $10k0.802.500.011.732.501.1093
1 Yr CD - $10k1.432.700.012.322.751.7588
18 Mo CD - $10k1.502.750.052.472.802.0097
2 Yr CD - $10k1.712.950.152.493.001.8079
30 Mo CD - $10k1.042.700.152.552.702.10150
3 Yr CD - $10k1.793.000.202.583.001.9079
4 Yr CD - $10k1.833.100.202.713.102.2088
5 Yr CD - $10k2.133.300.252.803.302.2567
1 Mo CD - $100k0.260.650.010.100.100.10-16
2 Mo CD - $100k0.250.650.01    
3 Mo CD - $100k0.370.750.010.961.950.2559
6 Mo CD - $100k0.752.200.011.702.301.1095
1 Yr CD - $100k1.392.650.012.252.601.7586
2 Yr CD - $100k1.592.750.202.422.651.8083
3 Yr CD - $100k1.672.750.352.512.701.9085
Interest Checking - $5k0.120.500.010.090.250.03-3
Liquid IRA Account0.752.100.030.411.850.05-34
Money Market - $2.5k0.402.200.010.401.850.150
Money Market - $10k0.422.220.010.511.850.209
Money Market - $25k0.542.220.010.631.850.3010
Money Market - $50k0.552.220.010.711.850.3016
Money Market - $100k0.642.220.010.801.850.3016
Money Market - $250k0.682.220.010.881.850.3020
Regular Savings - $1k0.512.150.010.161.250.03-34
New Car - 36 Mo4.876.253.943.805.991.99-107
New Car - 48 Mo4.906.253.993.825.991.99-109
New Car - 60 Mo4.966.254.033.855.991.99-111
New Car - 72 Mo5.115.754.034.095.992.49-102
Used Car - 36 Mo4.976.253.993.835.991.99-114
Used Car - 48 Mo5.006.254.203.855.991.99-115
Used Car - 60 Mo5.046.254.163.885.991.99-116
Used Car - 72 Mo5.205.754.494.165.992.49-105
New Boat - 60 Mo6.6310.585.495.778.244.50-86
Rewards Credit Card15.6818.248.6511.3015.009.24-438
Credit Card Platinum13.5519.748.659.4610.247.99-409
Credit Card Classic13.2416.9010.2411.7817.248.74-146
Home Equity - LOC6.147.884.905.586.255.24-56
Home Equity - 5 Yr5.907.005.255.146.754.24-76
Home Equity - 10 Yr5.986.255.505.627.504.75-37
Home Equity - 15 Yr6.447.005.935.987.004.87-46
15 Yr Fixed3.9404.3753.2503.5063.8753.000-43
20 Yr Fixed4.1194.6251.0004.0894.6253.375-3
30 Yr Fixed4.3564.8753.8384.1534.8753.750-20
1 Yr ARM3.8954.6252.750 
3/1 ARM3.3134.7501.0003.6184.2502.37530
5/1 ARM4.0474.7503.1253.4984.0002.625-55
7/1 ARM4.1494.6253.3753.6644.0003.000-48
New RV - 60 Mo6.6710.585.495.678.244.00-100
Unsecured - 36 Mo9.3212.005.799.2011.995.74-12
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* Represents the difference in the average rate between banks and credit unions.