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 - $10k0.381.910.010.611.800.0523
6 Mo CD - $10k0.582.450.010.993.000.0541
1 Yr CD - $10k0.972.800.011.362.750.1039
18 Mo CD - $10k1.052.850.051.673.000.1062
2 Yr CD - $10k1.213.050.101.632.950.2042
30 Mo CD - $10k1.133.000.101.332.550.2019
3 Yr CD - $10k1.373.500.151.823.100.3045
4 Yr CD - $10k1.463.350.202.013.150.3055
5 Yr CD - $10k1.623.500.202.193.400.5057
1 Mo CD - $100k0.200.750.010.050.050.05-15
2 Mo CD - $100k0.210.750.01    
3 Mo CD - $100k0.331.900.010.741.550.0540
6 Mo CD - $100k0.542.450.011.193.000.1364
1 Yr CD - $100k1.042.800.011.632.600.2359
2 Yr CD - $100k1.233.050.101.862.800.4163
3 Yr CD - $100k1.353.150.152.062.900.6071
Interest Checking - $5k0.150.850.010.140.680.01-1
Liquid IRA Account0.332.020.010.582.500.0325
Money Market - $2.5k0.271.750.010.390.850.0313
Money Market - $10k0.321.850.010.470.900.0315
Money Market - $25k0.382.160.010.561.700.0317
Money Market - $50k0.452.160.010.611.800.0515
Money Market - $100k0.552.160.010.722.200.0818
Money Market - $250k0.612.160.010.752.250.1014
Regular Savings - $1k0.212.250.010.222.020.031
New Car - 36 Mo5.099.002.303.297.451.74-179
New Car - 48 Mo5.179.002.453.477.651.74-170
New Car - 60 Mo5.249.002.453.587.751.74-166
New Car - 72 Mo4.837.762.553.937.762.24-90
Used Car - 36 Mo5.6610.252.493.558.601.74-211
Used Car - 48 Mo5.6310.252.753.678.801.74-196
Used Car - 60 Mo5.249.503.003.725.901.74-152
Used Car - 72 Mo4.587.753.254.106.292.24-49
New Boat - 60 Mo6.2410.603.755.258.252.49-99
Rewards Credit Card14.6418.247.9911.4416.247.90-320
Credit Card Platinum13.6217.247.9010.4314.496.90-319
Credit Card Classic14.0718.249.4912.0118.007.24-206
Home Equity - LOC5.798.004.995.387.004.25-41
Home Equity - 5 Yr5.387.243.755.347.253.99-4
Home Equity - 10 Yr5.917.684.405.767.004.24-15
Home Equity - 15 Yr6.187.564.745.997.754.24-19
15 Yr Fixed4.3304.8753.5004.3105.1503.500-2
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.6085.0003.7504.6214.7504.0001
30 Yr Fixed4.7755.2504.1254.7435.1254.125-3
1 Yr ARM3.8163.7503.7504.4584.7502.75064
3/1 ARM3.8655.5001.0004.4115.5002.37555
5/1 ARM4.2505.5003.0004.2064.7503.125-4
7/1 ARM4.3106.0003.1254.3684.7503.7506
New RV - 60 Mo6.3210.604.005.288.092.49-104
Unsecured - 36 Mo8.4212.964.508.5012.905.498
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* Represents the difference in the average rate between banks and credit unions.