RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 217,313 financial institution locations in 19,535 markets across the United States as of 4/25/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.332.250.010.631.950.0530
6 Mo CD - $10k0.572.250.011.003.000.1044
1 Yr CD - $10k0.922.550.011.512.750.1559
18 Mo CD - $10k0.942.750.051.713.010.1077
2 Yr CD - $10k1.052.750.101.813.000.2576
30 Mo CD - $10k1.013.000.101.973.250.3095
3 Yr CD - $10k1.162.900.202.023.500.5086
4 Yr CD - $10k1.223.000.252.143.250.7592
5 Yr CD - $10k1.403.200.302.393.500.9599
1 Mo CD - $100k0.221.920.010.711.050.2549
2 Mo CD - $100k0.261.920.010.881.150.3562
3 Mo CD - $100k0.382.250.010.741.950.1036
6 Mo CD - $100k0.652.250.011.123.000.1048
1 Yr CD - $100k1.002.510.011.672.550.1567
2 Yr CD - $100k1.172.750.101.983.250.3081
3 Yr CD - $100k1.272.900.202.163.000.5089
Interest Checking - $5k0.080.500.010.120.650.014
Liquid IRA Account0.161.000.010.422.250.0127
Money Market - $2.5k0.221.850.010.353.000.0113
Money Market - $10k0.251.850.010.402.000.0215
Money Market - $25k0.302.160.010.472.000.0218
Money Market - $50k0.372.160.010.542.000.0217
Money Market - $100k0.472.160.010.652.000.0218
Money Market - $250k0.502.160.010.672.020.0218
Regular Savings - $1k0.132.450.010.172.020.014
New Car - 36 Mo5.139.252.303.345.381.49-179
New Car - 48 Mo5.098.252.303.455.341.49-164
New Car - 60 Mo5.168.252.453.585.441.59-158
New Car - 72 Mo5.268.252.653.835.641.59-143
Used Car - 36 Mo5.5010.503.153.545.441.49-196
Used Car - 48 Mo5.5910.503.403.655.541.49-194
Used Car - 60 Mo5.339.003.653.785.641.59-155
Used Car - 72 Mo5.267.504.004.056.291.59-121
New Boat - 60 Mo7.5311.005.506.2910.952.49-124
Rewards Credit Card15.9320.997.9911.7816.907.24-416
Credit Card Platinum13.5917.997.9910.4616.495.99-314
Credit Card Classic12.1720.997.9911.8418.246.95-34
Home Equity - LOC6.529.555.505.707.253.98-82
Home Equity - 5 Yr6.299.035.255.407.403.12-89
Home Equity - 10 Yr6.419.034.205.657.193.25-76
Home Equity - 15 Yr6.609.034.505.887.903.25-72
15 Yr Fixed4.1756.6253.3753.9834.7502.875-19
20 Yr Fixed4.4546.8751.0004.3325.0003.250-12
30 Yr Fixed4.5795.1254.0004.4435.4903.625-14
1 Yr ARM3.7235.5002.7503.5615.2192.125-16
3/1 ARM3.9615.0001.0003.8716.2502.125-9
5/1 ARM4.3506.2503.5003.8035.3752.625-55
7/1 ARM4.4545.3753.6254.0075.6253.000-45
New RV - 60 Mo7.3510.755.806.2610.992.49-109
Unsecured - 36 Mo11.7817.205.009.9321.005.74-185
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* Represents the difference in the average rate between banks and credit unions.