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 - $10k0.230.900.010.431.300.1020
6 Mo CD - $10k0.472.350.030.942.250.0548
1 Yr CD - $10k0.822.700.071.472.380.1065
18 Mo CD - $10k0.692.700.041.622.750.1592
2 Yr CD - $10k0.932.700.101.762.620.2083
30 Mo CD - $10k0.712.450.101.803.040.25109
3 Yr CD - $10k1.042.700.202.012.800.3596
4 Yr CD - $10k1.062.750.202.303.200.35124
5 Yr CD - $10k1.212.800.202.583.500.70137
1 Mo CD - $100k0.150.600.010.500.500.5035
2 Mo CD - $100k0.180.850.010.500.500.5032
3 Mo CD - $100k0.211.000.010.441.450.1022
6 Mo CD - $100k0.502.350.031.162.250.2266
1 Yr CD - $100k0.852.700.071.702.400.2585
2 Yr CD - $100k1.072.700.101.972.650.4190
3 Yr CD - $100k1.102.700.202.242.800.51114
Interest Checking - $5k0.070.350.010.130.500.056
Liquid IRA Account0.191.200.010.893.050.0569
Money Market - $2.5k0.201.290.010.501.820.0130
Money Market - $10k0.281.410.010.551.820.0127
Money Market - $25k0.411.900.020.651.820.0523
Money Market - $50k0.521.990.020.702.250.0518
Money Market - $100k0.582.090.020.782.250.0520
Money Market - $250k0.622.250.020.842.250.0521
Regular Savings - $1k0.182.300.010.231.970.025
New Car - 36 Mo4.517.942.743.445.241.99-107
New Car - 48 Mo4.697.942.743.565.241.99-114
New Car - 60 Mo4.787.942.743.625.241.99-116
New Car - 72 Mo4.917.942.743.966.242.20-95
Used Car - 36 Mo5.078.442.993.936.002.85-114
Used Car - 48 Mo5.188.443.243.986.002.39-121
Used Car - 60 Mo5.046.603.244.076.002.39-98
Used Car - 72 Mo4.575.723.244.306.293.20-27
New Boat - 60 Mo6.3311.003.806.2910.503.49-4
Rewards Credit Card14.9518.2410.9911.3813.747.99-357
Credit Card Platinum13.2016.0010.249.4511.997.25-374
Credit Card Classic14.3618.0010.9911.2114.159.90-315
Home Equity - LOC5.988.865.245.857.254.99-13
Home Equity - 5 Yr5.748.114.255.418.253.24-33
Home Equity - 10 Yr5.868.034.755.768.253.75-10
Home Equity - 15 Yr6.028.115.136.039.004.131
15 Yr Fixed3.9915.8753.0003.6594.7502.875-33
20 Yr Fixed4.1054.8751.0004.0294.8753.375-8
30 Yr Fixed4.2934.8753.6254.1065.1253.375-19
1 Yr ARM4.6415.0604.1253.6834.5753.000-96
3/1 ARM3.8054.9301.0003.8314.8752.8753
5/1 ARM4.1444.9903.0003.5664.1873.000-58
7/1 ARM4.2175.2502.8753.7854.1923.250-43
New RV - 60 Mo6.4210.613.806.3410.503.49-8
Unsecured - 36 Mo9.9216.005.509.4718.006.49-45
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* Represents the difference in the average rate between banks and credit unions.