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 - $10k0.190.750.030.750.750.7556
6 Mo CD - $10k0.482.300.031.132.000.5065
1 Yr CD - $10k0.512.200.101.472.000.7596
18 Mo CD - $10k0.471.640.031.111.810.8064
2 Yr CD - $10k0.631.750.101.612.400.9598
30 Mo CD - $10k0.481.060.032.082.201.96160
3 Yr CD - $10k0.832.150.031.812.551.0098
4 Yr CD - $10k0.882.000.031.832.651.0095
5 Yr CD - $10k1.132.550.032.122.751.0099
1 Mo CD - $100k0.080.100.05    
2 Mo CD - $100k0.080.100.05    
3 Mo CD - $100k0.130.200.050.900.900.9077
6 Mo CD - $100k0.551.550.150.801.410.5026
1 Yr CD - $100k0.330.400.251.491.970.75117
2 Yr CD - $100k0.490.650.251.682.121.16119
3 Yr CD - $100k0.630.800.251.852.171.36122
Interest Checking - $5k0.050.250.010.100.150.055
Liquid IRA Account0.230.600.050.350.600.1013
Money Market - $2.5k0.070.250.010.430.500.2035
Money Market - $10k0.110.300.010.630.800.3552
Money Market - $25k0.160.350.010.710.850.4555
Money Market - $50k0.220.450.011.061.500.5083
Money Market - $100k0.290.750.011.151.510.5086
Money Market - $250k0.320.750.011.161.600.5084
Regular Savings - $1k0.080.250.010.301.000.1022
New Car - 36 Mo5.107.993.123.594.493.25-150
New Car - 48 Mo5.137.993.123.945.993.49-120
New Car - 60 Mo5.307.993.624.416.493.89-89
New Car - 72 Mo5.156.493.624.746.494.25-41
Used Car - 36 Mo5.768.994.123.594.493.25-216
Used Car - 48 Mo5.808.994.123.945.993.49-187
Used Car - 60 Mo5.386.244.124.416.493.89-97
Used Car - 72 Mo5.836.655.304.836.494.29-101
New Boat - 60 Mo6.619.504.254.626.493.99-198
Rewards Credit Card14.7818.2410.998.7310.207.45-605
Credit Card Platinum12.8714.9910.999.1912.007.40-368
Credit Card Classic12.2412.2412.2412.0012.0012.00-24
Home Equity - LOC5.797.745.255.347.504.88-45
Home Equity - 5 Yr5.438.023.633.603.733.50-182
Home Equity - 10 Yr5.587.994.134.604.894.25-98
Home Equity - 15 Yr5.958.074.635.365.505.25-59
15 Yr Fixed3.6954.2503.1253.8363.8753.12514
20 Yr Fixed4.0164.6753.5004.0604.1253.5004
30 Yr Fixed4.1274.7503.6254.4255.5003.62530
1 Yr ARM3.7764.2503.0002.6572.5002.500-112
3/1 ARM3.9565.0003.1253.1113.2502.750-85
5/1 ARM3.8404.6253.0003.8324.2502.750-1
7/1 ARM3.9064.8753.1253.9784.0003.6257
New RV - 60 Mo6.579.504.254.626.493.99-195
Unsecured - 36 Mo10.5114.806.999.529.998.50-99
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* Represents the difference in the average rate between banks and credit unions.