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 - $10k0.331.900.010.601.950.0527
6 Mo CD - $10k0.482.250.010.992.400.1051
1 Yr CD - $10k0.912.630.011.462.780.1555
18 Mo CD - $10k0.982.900.051.633.010.1065
2 Yr CD - $10k1.043.040.101.813.030.2577
30 Mo CD - $10k0.993.000.101.923.250.3093
3 Yr CD - $10k1.233.140.202.033.500.5079
4 Yr CD - $10k1.233.250.252.153.250.7593
5 Yr CD - $10k1.393.300.302.423.500.95103
1 Mo CD - $100k0.231.920.010.641.050.2541
2 Mo CD - $100k0.271.920.010.871.150.3059
3 Mo CD - $100k0.391.920.010.701.950.1032
3 Mo CD - $250k   0.671.000.35 
6 Mo CD - $100k0.552.250.011.112.400.1056
6 Mo CD - $250k   0.941.200.45 
1 Yr CD - $100k0.962.680.011.602.750.1563
1 Yr CD - $250k   1.241.650.55 
2 Yr CD - $100k1.163.000.101.973.250.3082
2 Yr CD - $250k   1.632.101.15 
3 Yr CD - $100k1.323.000.202.153.250.5082
3 Yr CD - $250k   1.992.251.65 
Interest Checking - $5k0.080.500.010.120.650.013
Liquid IRA Account0.161.000.010.422.500.0126
Money Market - $2.5k0.211.850.010.343.000.0114
Money Market - $10k0.242.020.010.382.000.0214
Money Market - $25k0.302.160.010.462.000.0216
Money Market - $50k0.362.160.010.532.000.0217
Money Market - $100k0.452.160.010.622.000.0217
Money Market - $250k0.482.160.010.642.000.0217
Regular Savings - $1k0.132.250.010.172.020.014
New Car - 36 Mo5.149.252.303.306.241.49-184
New Car - 48 Mo5.108.252.303.436.241.49-167
New Car - 60 Mo5.198.252.453.556.241.59-164
New Car - 72 Mo5.358.252.653.816.241.59-154
Used Car - 36 Mo5.6911.383.153.475.241.49-222
Used Car - 48 Mo5.7411.543.403.595.241.49-215
Used Car - 60 Mo5.5711.743.653.725.241.59-185
Used Car - 72 Mo5.467.504.004.015.891.59-145
New Boat - 60 Mo7.4010.594.546.2710.952.49-114
Rewards Credit Card15.9320.497.9911.7316.907.24-420
Credit Card Platinum13.5117.997.9910.4016.495.99-311
Credit Card Classic12.3220.497.9911.8017.246.95-51
Home Equity - LOC6.449.305.255.677.253.98-77
Home Equity - 5 Yr6.258.785.255.447.533.12-81
Home Equity - 10 Yr6.448.784.205.687.403.25-76
Home Equity - 15 Yr6.508.784.505.917.903.25-59
15 Yr Fixed4.3446.6253.3754.2174.7502.875-13
10 Yr Fixed1.1091.0001.0003.8363.7183.718273
20 Yr Fixed4.6476.8754.0004.5895.3753.250-6
30 Yr Fixed4.7685.1254.2504.6955.3753.625-7
1 Yr ARM3.7235.5002.7503.6875.2192.375-4
3/1 ARM3.9855.2501.0004.0166.2502.6253
5/1 ARM4.3726.2503.5004.0075.3752.750-36
7/1 ARM4.4525.3753.6254.2015.6253.125-25
New RV - 60 Mo7.2510.594.546.2210.992.49-103
Unsecured - 36 Mo12.0417.205.009.8215.505.74-223
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* Represents the difference in the average rate between banks and credit unions.