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 - $10k0.261.100.010.451.300.1019
6 Mo CD - $10k0.462.750.010.933.000.0547
1 Yr CD - $10k0.832.850.051.442.600.1061
18 Mo CD - $10k0.782.900.041.592.750.1581
2 Yr CD - $10k1.063.000.101.722.820.2066
30 Mo CD - $10k0.782.550.101.742.820.2596
3 Yr CD - $10k1.113.050.151.963.000.3086
4 Yr CD - $10k1.243.200.202.303.400.35107
5 Yr CD - $10k1.313.290.202.573.290.70127
1 Mo CD - $100k0.140.500.010.500.500.5036
2 Mo CD - $100k0.160.500.010.500.500.5034
3 Mo CD - $100k0.221.010.010.441.550.1023
6 Mo CD - $100k0.482.750.011.233.000.2275
1 Yr CD - $100k0.872.850.051.712.600.2583
2 Yr CD - $100k1.033.000.102.002.820.4197
3 Yr CD - $100k1.153.050.152.253.000.51110
Interest Checking - $5k0.090.350.010.130.500.054
Liquid IRA Account0.201.200.010.872.530.0567
Money Market - $2.5k0.181.200.010.481.900.0130
Money Market - $10k0.281.750.010.521.900.0124
Money Market - $25k0.311.750.010.591.900.0528
Money Market - $50k0.401.750.010.631.900.0523
Money Market - $100k0.462.020.010.711.900.0525
Money Market - $250k0.512.270.010.761.900.0525
Regular Savings - $1k0.182.250.010.221.970.024
New Car - 36 Mo4.377.942.493.485.241.99-89
New Car - 48 Mo4.537.942.743.595.241.99-94
New Car - 60 Mo4.607.942.743.665.241.99-93
New Car - 72 Mo4.707.942.744.016.242.20-69
Used Car - 36 Mo4.858.442.493.986.001.99-87
Used Car - 48 Mo4.968.442.754.036.002.39-92
Used Car - 60 Mo4.786.603.004.136.002.39-64
Used Car - 72 Mo4.415.703.244.396.292.49-2
New Boat - 60 Mo6.2511.003.806.0610.503.29-19
Rewards Credit Card15.0418.249.9911.3113.747.99-373
Credit Card Platinum13.6716.009.909.3511.996.50-432
Credit Card Classic14.7618.0011.9911.1914.159.85-357
Home Equity - LOC5.869.114.995.877.255.251
Home Equity - 5 Yr5.588.313.885.658.253.747
Home Equity - 10 Yr5.638.033.885.978.254.2534
Home Equity - 15 Yr5.958.114.396.109.004.2515
15 Yr Fixed4.4556.1503.6254.2855.0003.625-17
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.6435.2751.0004.6305.3754.000-1
30 Yr Fixed4.8365.2754.1254.7255.5504.125-11
1 Yr ARM4.9935.6004.2504.5275.2583.500-47
3/1 ARM4.1355.4501.0004.1775.1812.3754
5/1 ARM4.4355.4603.1254.1104.8813.125-32
7/1 ARM4.5215.5203.2504.2814.8133.750-24
New RV - 60 Mo6.2910.603.806.1110.503.29-18
Unsecured - 36 Mo9.8316.006.009.5518.006.49-29
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* Represents the difference in the average rate between banks and credit unions.