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 - $10k0.322.250.010.641.950.0532
6 Mo CD - $10k0.542.500.011.032.300.1049
1 Yr CD - $10k0.862.550.011.522.750.1565
18 Mo CD - $10k0.972.580.051.704.000.1073
2 Yr CD - $10k1.002.630.101.803.000.2580
30 Mo CD - $10k0.932.500.102.003.250.30107
3 Yr CD - $10k1.102.750.201.973.000.5087
4 Yr CD - $10k1.183.000.252.103.100.7593
5 Yr CD - $10k1.333.200.302.353.500.95103
1 Mo CD - $100k0.221.920.010.711.050.2549
2 Mo CD - $100k0.261.920.010.881.150.3562
3 Mo CD - $100k0.382.250.010.761.950.1038
6 Mo CD - $100k0.622.250.011.132.250.1051
1 Yr CD - $100k0.952.550.011.662.450.1571
2 Yr CD - $100k1.122.670.101.952.650.3083
3 Yr CD - $100k1.202.770.202.153.000.5095
Interest Checking - $5k0.080.500.010.120.650.014
Liquid IRA Account0.150.700.010.432.250.0228
Money Market - $2.5k0.211.850.010.373.000.0116
Money Market - $10k0.251.850.010.412.000.0216
Money Market - $25k0.322.160.010.502.000.0218
Money Market - $50k0.402.250.010.572.250.0217
Money Market - $100k0.512.250.010.682.250.0217
Money Market - $250k0.522.250.010.712.250.0219
Regular Savings - $1k0.132.300.010.172.020.014
New Car - 36 Mo5.259.252.303.325.491.49-193
New Car - 48 Mo5.158.252.303.455.491.49-170
New Car - 60 Mo5.228.252.453.575.491.59-165
New Car - 72 Mo5.127.752.653.815.741.59-131
Used Car - 36 Mo5.5810.503.153.535.491.49-205
Used Car - 48 Mo5.6010.503.403.665.541.49-195
Used Car - 60 Mo5.359.003.593.795.641.59-156
Used Car - 72 Mo5.247.503.904.056.291.59-120
New Boat - 60 Mo7.4911.005.506.3010.952.49-118
Rewards Credit Card15.9020.997.9911.7916.907.24-411
Credit Card Platinum13.5519.747.9910.6316.495.99-292
Credit Card Classic12.2020.997.9911.9118.246.95-29
Home Equity - LOC6.619.555.505.707.253.98-91
Home Equity - 5 Yr6.399.035.255.417.253.12-99
Home Equity - 10 Yr6.439.034.205.637.003.25-80
Home Equity - 15 Yr6.599.034.505.837.903.25-76
15 Yr Fixed3.9286.6252.8753.6194.7502.875-31
20 Yr Fixed4.1456.8751.0003.9964.8753.250-15
30 Yr Fixed4.3165.2503.5004.0895.4903.500-23
1 Yr ARM3.3324.2502.6253.4635.2192.62513
3/1 ARM3.9844.7501.0003.5546.0002.250-43
5/1 ARM4.2716.2503.3753.6125.1252.625-66
7/1 ARM4.3154.7503.3753.7635.7502.750-55
New RV - 60 Mo7.3110.755.776.2810.992.49-104
Unsecured - 36 Mo11.8417.205.009.8417.005.24-200
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* Represents the difference in the average rate between banks and credit unions.