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 - $10k0.240.900.010.451.300.1021
6 Mo CD - $10k0.442.450.010.953.000.0552
1 Yr CD - $10k0.812.800.051.452.380.1064
18 Mo CD - $10k0.812.800.041.612.750.1580
2 Yr CD - $10k1.072.900.101.762.750.2069
30 Mo CD - $10k0.782.800.101.793.040.25101
3 Yr CD - $10k1.122.900.152.002.850.3587
4 Yr CD - $10k1.113.000.202.263.030.35115
5 Yr CD - $10k1.283.100.202.583.290.70130
1 Mo CD - $100k0.160.600.010.500.500.5034
2 Mo CD - $100k0.180.850.010.500.500.5032
3 Mo CD - $100k0.221.000.010.441.550.1022
6 Mo CD - $100k0.462.450.011.173.000.2270
1 Yr CD - $100k0.832.800.051.712.500.2588
2 Yr CD - $100k1.072.900.101.992.800.4192
3 Yr CD - $100k1.172.900.152.262.900.51109
Interest Checking - $5k0.090.350.010.130.500.054
Liquid IRA Account0.181.200.010.862.530.0568
Money Market - $2.5k0.191.350.010.491.890.0129
Money Market - $10k0.281.750.010.541.890.0126
Money Market - $25k0.331.750.010.611.890.0529
Money Market - $50k0.432.000.010.651.890.0523
Money Market - $100k0.492.150.010.741.890.0525
Money Market - $250k0.542.250.010.802.000.0526
Regular Savings - $1k0.182.300.010.221.970.024
New Car - 36 Mo4.517.942.493.465.241.99-105
New Car - 48 Mo4.597.942.743.575.241.99-102
New Car - 60 Mo4.737.942.743.645.241.99-109
New Car - 72 Mo4.827.942.743.986.242.20-85
Used Car - 36 Mo4.978.442.493.956.001.99-102
Used Car - 48 Mo5.108.442.754.026.002.39-108
Used Car - 60 Mo4.956.603.004.126.002.39-83
Used Car - 72 Mo4.495.723.244.366.292.49-12
New Boat - 60 Mo6.3711.003.806.2910.503.29-8
Rewards Credit Card15.2018.249.9911.3713.747.99-383
Credit Card Platinum13.4017.749.909.4511.997.25-395
Credit Card Classic14.7818.0011.9911.2314.159.90-355
Home Equity - LOC5.959.115.005.887.255.25-8
Home Equity - 5 Yr5.778.024.005.558.253.50-23
Home Equity - 10 Yr5.887.994.385.918.254.502
Home Equity - 15 Yr6.058.074.636.149.004.509
15 Yr Fixed4.2706.0003.3754.1085.8753.375-16
20 Yr Fixed4.4045.0001.0004.4155.1253.6671
30 Yr Fixed4.5815.0004.0004.4875.5003.875-9
1 Yr ARM4.8545.4404.2504.2865.0313.250-57
3/1 ARM3.9805.3101.0004.0494.9932.1257
5/1 ARM4.2845.3503.2503.9674.6352.875-32
7/1 ARM4.3705.4403.2504.1384.5673.500-23
New RV - 60 Mo6.4010.603.806.3410.503.29-6
Unsecured - 36 Mo9.9216.005.999.5718.006.49-35
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* Represents the difference in the average rate between banks and credit unions.