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 - $10k0.190.750.030.750.750.7556
6 Mo CD - $10k0.271.010.031.021.500.7575
1 Yr CD - $10k0.411.500.101.451.751.20104
18 Mo CD - $10k0.872.750.031.251.610.9038
2 Yr CD - $10k0.732.050.101.802.750.95107
30 Mo CD - $10k0.852.780.032.522.632.40167
3 Yr CD - $10k0.922.150.101.762.351.0584
4 Yr CD - $10k0.992.250.031.802.271.1581
5 Yr CD - $10k1.332.750.032.233.031.2590
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 - $100k0.170.250.050.951.000.9078
1 Yr CD - $100k0.300.400.151.641.711.56134
2 Yr CD - $100k0.802.050.251.892.021.76109
3 Yr CD - $100k0.851.750.302.102.172.02125
Interest Checking - $5k0.050.250.010.100.150.055
Liquid IRA Account0.230.600.050.350.600.1012
Money Market - $2.5k0.080.250.010.410.500.2533
Money Market - $10k0.120.300.010.570.750.2546
Money Market - $25k0.170.350.010.690.800.3553
Money Market - $50k0.230.450.010.961.210.4573
Money Market - $100k0.351.150.011.011.460.4566
Money Market - $250k0.391.350.011.071.500.4568
Regular Savings - $1k0.314.000.010.321.000.101
New Car - 36 Mo5.177.992.873.323.993.04-185
New Car - 48 Mo5.217.992.873.464.253.09-175
New Car - 60 Mo5.377.993.373.864.503.49-151
New Car - 72 Mo5.156.493.374.254.753.89-90
Used Car - 36 Mo5.748.993.873.323.993.04-242
Used Car - 48 Mo5.788.993.873.464.253.09-232
Used Car - 60 Mo5.446.563.873.864.503.49-158
Used Car - 72 Mo5.816.655.244.144.703.89-166
New Boat - 60 Mo6.619.004.254.114.503.59-250
Rewards Credit Card14.5918.249.998.369.407.45-622
Credit Card Platinum13.1215.2410.998.289.157.40-484
Credit Card Classic10.9910.9910.9912.0012.0012.00101
Home Equity - LOC5.997.755.254.985.004.88-101
Home Equity - 5 Yr5.858.314.383.593.703.50-226
Home Equity - 10 Yr5.918.034.884.624.894.25-129
Home Equity - 15 Yr6.328.115.135.365.505.25-96
15 Yr Fixed4.3554.3873.8754.4374.6253.8758
20 Yr Fixed4.6454.8754.2504.7194.8754.2507
30 Yr Fixed4.7415.1254.3754.8725.1254.37513
1 Yr ARM4.1144.5003.6253.5403.3753.375-57
3/1 ARM4.1545.3753.6253.8513.7503.625-30
5/1 ARM4.2915.2503.6254.3074.5003.9502
7/1 ARM4.3605.6253.7504.4814.7504.12512
New RV - 60 Mo6.619.004.254.114.503.59-250
Unsecured - 36 Mo10.4914.306.499.699.998.74-81
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* Represents the difference in the average rate between banks and credit unions.