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 - $10k0.190.750.030.750.750.7556
6 Mo CD - $10k0.502.000.031.203.000.5071
1 Yr CD - $10k0.652.500.101.462.000.7581
18 Mo CD - $10k0.662.650.031.241.910.8058
2 Yr CD - $10k0.631.750.101.752.750.95113
30 Mo CD - $10k0.682.780.032.522.632.40183
3 Yr CD - $10k0.832.150.031.722.351.0089
4 Yr CD - $10k0.902.250.031.762.271.0086
5 Yr CD - $10k1.222.550.032.243.031.00102
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 - $100k0.562.000.100.971.410.5041
1 Yr CD - $100k0.702.250.151.462.070.7576
2 Yr CD - $100k0.440.650.251.682.121.16124
3 Yr CD - $100k0.550.800.251.852.171.36130
Interest Checking - $5k0.060.250.010.100.150.054
Liquid IRA Account0.230.600.050.350.600.1012
Money Market - $2.5k0.080.250.010.440.500.3036
Money Market - $10k0.110.300.010.640.800.4552
Money Market - $25k0.170.350.010.720.850.4555
Money Market - $50k0.230.450.011.051.500.5082
Money Market - $100k0.351.150.011.141.500.5080
Money Market - $250k0.391.350.011.151.600.5076
Regular Savings - $1k0.080.250.010.301.000.1022
New Car - 36 Mo5.107.992.873.534.493.09-157
New Car - 48 Mo5.137.992.873.875.993.09-127
New Car - 60 Mo5.307.993.374.286.493.49-102
New Car - 72 Mo5.156.493.374.616.493.89-54
Used Car - 36 Mo5.768.993.873.534.493.09-223
Used Car - 48 Mo5.808.993.873.875.993.09-194
Used Car - 60 Mo5.376.243.874.286.493.49-109
Used Car - 72 Mo5.816.655.244.596.493.89-122
New Boat - 60 Mo6.529.004.254.496.493.74-203
Rewards Credit Card14.8218.2410.998.7310.207.45-609
Credit Card Platinum12.7014.9910.999.1912.007.40-351
Credit Card Classic12.2412.2412.2412.0012.0012.00-24
Home Equity - LOC5.987.745.255.347.504.88-64
Home Equity - 5 Yr5.718.024.253.603.703.50-211
Home Equity - 10 Yr5.847.994.754.644.894.25-120
Home Equity - 15 Yr6.268.075.135.375.505.25-89
15 Yr Fixed4.1544.3753.6254.1854.3753.6253
20 Yr Fixed4.4134.6754.0004.3984.5004.000-1
30 Yr Fixed4.5364.7504.1254.6034.8754.1257
1 Yr ARM4.1144.5003.6253.2883.1253.125-83
3/1 ARM4.2075.3753.3753.7253.7503.375-48
5/1 ARM4.1965.0003.3754.1264.2503.375-7
7/1 ARM4.2225.2503.5004.3564.2504.12513
New RV - 60 Mo6.509.004.254.496.493.74-200
Unsecured - 36 Mo10.3614.306.499.529.998.50-84
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* Represents the difference in the average rate between banks and credit unions.