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 - $10k0.481.760.030.901.360.6042
6 Mo CD - $10k0.702.010.051.061.550.1536
1 Yr CD - $10k1.062.350.051.512.270.2046
18 Mo CD - $10k1.052.620.151.562.400.3051
2 Yr CD - $10k1.312.520.201.762.500.4045
30 Mo CD - $10k1.302.700.252.833.002.50153
3 Yr CD - $10k1.502.780.251.842.500.5034
4 Yr CD - $10k1.623.030.302.022.600.6040
5 Yr CD - $10k1.913.290.352.243.001.0034
1 Mo CD - $100k0.160.320.05    
2 Mo CD - $100k0.160.320.05    
3 Mo CD - $100k0.481.250.050.981.360.6549
6 Mo CD - $100k0.771.700.051.031.650.1527
1 Yr CD - $100k1.122.350.101.432.400.2030
2 Yr CD - $100k1.332.500.151.682.650.4035
3 Yr CD - $100k1.512.600.351.792.650.5029
Interest Checking - $5k0.120.550.010.130.350.051
Liquid IRA Account0.742.270.020.861.760.0511
Money Market - $2.5k0.271.260.010.280.550.101
Money Market - $10k0.452.000.010.340.750.15-11
Money Market - $25k0.592.000.010.511.480.15-8
Money Market - $50k0.652.000.010.571.730.15-7
Money Market - $100k0.772.460.010.732.240.20-5
Money Market - $250k0.862.510.010.782.240.20-8
Regular Savings - $1k0.171.260.010.140.350.04-3
New Car - 36 Mo4.957.013.253.724.952.75-123
New Car - 48 Mo5.017.013.704.014.952.75-100
New Car - 60 Mo5.117.013.904.034.952.75-109
New Car - 72 Mo5.216.504.004.585.952.75-63
Used Car - 36 Mo5.197.013.253.894.952.99-130
Used Car - 48 Mo5.257.013.704.204.953.39-105
Used Car - 60 Mo5.227.013.904.254.953.39-97
Used Car - 72 Mo5.036.604.154.815.953.75-21
New Boat - 60 Mo5.8310.523.904.695.953.39-115
Rewards Credit Card15.2218.249.5011.0416.248.25-418
Credit Card Platinum13.9317.999.5014.2414.2414.2431
Credit Card Classic15.3721.2411.999.9612.748.25-540
Home Equity - LOC6.229.134.755.957.255.00-27
Home Equity - 5 Yr5.596.294.604.966.003.50-63
Home Equity - 10 Yr5.786.604.606.386.506.0361
Home Equity - 15 Yr5.817.284.755.927.004.5011
15 Yr Fixed4.2174.5003.4903.7503.8753.250-47
20 Yr Fixed4.3624.6251.0004.1774.1254.000-19
30 Yr Fixed4.6094.7503.8754.3184.5003.875-29
1 Yr ARM4.3424.6253.875 
3/1 ARM4.1495.3751.000 
5/1 ARM4.4945.6253.6253.6723.5003.500-82
7/1 ARM4.4695.5003.6254.0493.8753.875-42
New RV - 60 Mo5.8410.523.904.916.593.39-93
Unsecured - 36 Mo8.359.754.509.4910.306.75115
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* Represents the difference in the average rate between banks and credit unions.