RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,125 financial institution locations in 19,540 markets across the United States as of 7/20/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.240.400.050.782.080.4054
6 Mo CD - $10k0.430.750.101.092.080.6566
1 Yr CD - $10k1.021.610.151.842.200.8582
18 Mo CD - $10k1.161.640.252.062.301.7191
2 Yr CD - $10k1.221.810.152.192.801.0597
30 Mo CD - $10k0.761.750.152.272.352.12151
3 Yr CD - $10k1.252.500.202.393.001.36114
4 Yr CD - $10k1.192.650.202.493.101.61130
5 Yr CD - $10k1.432.750.252.532.701.96110
1 Mo CD - $100k0.230.350.160.500.750.3527
2 Mo CD - $100k0.240.350.160.380.400.3514
3 Mo CD - $100k0.280.400.050.530.650.4525
6 Mo CD - $100k0.500.850.310.781.100.4528
1 Yr CD - $100k1.231.650.251.572.450.8035
2 Yr CD - $100k1.461.851.101.942.601.1048
3 Yr CD - $100k1.462.600.252.312.751.3685
Interest Checking - $5k0.070.150.050.090.250.053
Liquid IRA Account0.180.370.030.391.000.1021
Money Market - $2.5k0.140.200.050.220.300.109
Money Market - $10k0.160.200.120.320.500.2016
Money Market - $25k0.190.250.130.360.600.2017
Money Market - $50k0.220.300.130.440.750.3022
Money Market - $100k0.240.350.130.581.200.3034
Money Market - $250k0.250.350.130.641.250.3039
Regular Savings - $1k0.100.150.010.170.500.107
New Car - 36 Mo3.804.243.373.814.253.241
New Car - 48 Mo3.814.243.373.834.253.242
New Car - 60 Mo3.934.253.413.844.253.24-9
New Car - 72 Mo3.934.253.293.954.503.242
Used Car - 36 Mo4.294.913.753.884.503.24-42
Used Car - 48 Mo4.304.913.753.894.503.24-41
Used Car - 60 Mo4.384.774.113.904.503.24-48
Used Car - 72 Mo4.254.254.243.994.503.24-25
New Boat - 60 Mo6.4510.605.245.165.624.50-129
Rewards Credit Card15.6216.2414.7410.4311.908.90-518
Credit Card Platinum13.6214.2412.249.959.999.90-367
Credit Card Classic13.9013.9013.9013.4513.9012.99-46
Home Equity - LOC6.928.635.505.896.505.50-102
Home Equity - 5 Yr6.216.755.646.227.125.261
Home Equity - 10 Yr6.256.755.746.316.915.346
Home Equity - 15 Yr5.785.785.786.357.125.3557
15 Yr Fixed3.6973.8753.1253.6704.3752.875-3
20 Yr Fixed3.7674.3501.0003.9554.5003.25019
30 Yr Fixed4.1484.3753.7504.1304.6253.625-2
1 Yr ARM3.5653.5003.500 
3/1 ARM2.4053.6251.0003.6903.6253.625128
5/1 ARM3.9044.1383.6254.0124.5003.00011
7/1 ARM4.1254.5443.6254.2814.6254.00016
New RV - 60 Mo6.5610.604.745.055.624.39-152
Unsecured - 36 Mo8.809.508.0911.6814.958.40289
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* Represents the difference in the average rate between banks and credit unions.