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 - $10k0.301.610.010.442.270.1514
6 Mo CD - $10k0.471.810.011.062.500.2059
1 Yr CD - $10k0.812.350.011.972.750.25116
18 Mo CD - $10k0.982.580.052.052.750.45107
2 Yr CD - $10k1.092.750.102.213.001.00113
30 Mo CD - $10k0.862.120.102.153.000.90129
3 Yr CD - $10k1.243.150.122.143.200.7589
4 Yr CD - $10k1.353.250.162.343.301.1099
5 Yr CD - $10k1.593.350.162.853.401.87126
1 Mo CD - $100k0.120.200.010.350.350.3523
2 Mo CD - $100k0.211.050.010.350.350.3514
3 Mo CD - $100k0.311.610.010.301.250.15-1
6 Mo CD - $100k0.481.810.011.132.500.2065
1 Yr CD - $100k0.792.320.012.042.750.25125
2 Yr CD - $100k1.092.750.102.343.001.00125
3 Yr CD - $100k1.232.780.302.083.150.8586
Interest Checking - $5k0.070.200.010.140.750.037
Liquid IRA Account0.161.000.010.341.100.0518
Money Market - $2.5k0.261.300.010.271.000.082
Money Market - $10k0.301.300.010.331.000.083
Money Market - $25k0.381.460.010.431.000.155
Money Market - $50k0.401.460.010.491.110.159
Money Market - $100k0.531.460.010.581.210.205
Money Market - $250k0.571.460.010.651.400.208
Regular Savings - $1k0.080.250.010.140.750.056
New Car - 36 Mo4.706.303.294.285.992.75-42
New Car - 48 Mo4.706.303.494.365.993.00-34
New Car - 60 Mo4.796.993.544.415.993.25-38
New Car - 72 Mo4.936.993.774.605.993.50-34
Used Car - 36 Mo4.856.353.244.285.992.75-57
Used Car - 48 Mo4.896.353.744.365.993.00-53
Used Car - 60 Mo4.946.353.744.425.993.25-52
Used Car - 72 Mo5.026.053.994.595.993.50-44
New Boat - 60 Mo6.5410.605.495.116.643.25-143
Rewards Credit Card13.8318.249.4011.1816.907.59-265
Credit Card Platinum13.2617.749.4010.3712.956.99-289
Credit Card Classic13.4615.4911.4911.0216.256.90-244
Home Equity - LOC6.438.805.245.9612.005.25-47
Home Equity - 5 Yr5.476.494.456.2211.504.0475
Home Equity - 10 Yr5.876.995.006.6612.004.2480
Home Equity - 15 Yr6.657.495.507.9812.506.49133
15 Yr Fixed4.0324.2503.3754.1155.5003.5008
20 Yr Fixed4.2714.7501.0004.4426.0003.99017
30 Yr Fixed4.5034.7504.1254.4164.8753.990-9
1 Yr ARM3.7534.6252.750 
3/1 ARM3.5495.0001.0004.8934.8754.625134
5/1 ARM4.3244.6463.5004.0524.6533.490-27
7/1 ARM4.3834.6253.7504.4154.5984.1253
New RV - 60 Mo6.6210.605.495.096.243.25-153
Unsecured - 36 Mo9.9212.427.999.9613.107.994
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* Represents the difference in the average rate between banks and credit unions.