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 - $10k0.240.400.051.002.530.4077
6 Mo CD - $10k0.380.750.101.282.620.6590
1 Yr CD - $10k1.171.610.151.882.740.8572
18 Mo CD - $10k1.542.750.852.353.001.7181
2 Yr CD - $10k1.281.810.152.322.801.05104
30 Mo CD - $10k1.091.750.152.563.252.12148
3 Yr CD - $10k1.452.500.202.543.101.36110
4 Yr CD - $10k1.412.650.202.683.301.61127
5 Yr CD - $10k1.652.750.252.763.301.96111
1 Mo CD - $100k0.210.350.100.681.350.3047
2 Mo CD - $100k0.200.350.100.350.400.3015
3 Mo CD - $100k0.250.400.050.751.450.4550
6 Mo CD - $100k0.400.850.100.911.550.4551
1 Yr CD - $100k1.191.650.151.552.200.8035
2 Yr CD - $100k1.281.850.252.032.901.1074
3 Yr CD - $100k1.502.600.302.433.201.3693
Interest Checking - $5k0.070.150.050.090.250.053
Liquid IRA Account0.160.370.030.381.000.1022
Money Market - $2.5k0.140.220.050.210.300.107
Money Market - $10k0.140.200.070.320.500.2017
Money Market - $25k0.180.270.100.360.600.2018
Money Market - $50k0.200.270.100.440.750.3024
Money Market - $100k0.200.350.100.591.200.3039
Money Market - $250k0.210.350.100.651.250.3044
Regular Savings - $1k0.090.150.010.170.500.108
New Car - 36 Mo3.924.243.293.864.352.99-6
New Car - 48 Mo3.934.243.293.894.562.99-4
New Car - 60 Mo4.044.343.283.784.652.99-26
New Car - 72 Mo4.064.493.273.864.912.99-20
Used Car - 36 Mo4.344.943.753.884.352.99-47
Used Car - 48 Mo4.354.993.753.904.562.99-45
Used Car - 60 Mo4.475.144.053.794.652.99-68
Used Car - 72 Mo4.254.254.243.724.502.99-52
New Boat - 60 Mo6.7910.605.245.256.424.00-154
Rewards Credit Card15.6216.2414.7410.4311.908.90-518
Credit Card Platinum14.3715.2413.749.959.999.90-442
Credit Card Classic13.9013.9013.9012.9912.9912.99-91
Home Equity - LOC6.818.135.505.826.505.25-98
Home Equity - 5 Yr7.278.806.256.577.536.00-70
Home Equity - 10 Yr7.858.956.756.587.406.00-127
Home Equity - 15 Yr9.039.039.036.657.406.00-238
15 Yr Fixed4.2744.7503.8684.0994.8752.875-17
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.1975.0001.0004.4755.0003.50028
30 Yr Fixed4.7385.1254.3754.7385.1254.2500
1 Yr ARM3.5653.5003.500 
3/1 ARM3.0483.6251.0003.6903.6253.62564
5/1 ARM4.1454.8133.7504.4515.1253.75031
7/1 ARM4.3734.7344.0004.5185.0004.00014
New RV - 60 Mo6.7410.604.745.246.504.00-149
Unsecured - 36 Mo9.239.498.9710.9014.907.15167
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* Represents the difference in the average rate between banks and credit unions.