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 - $10k0.322.400.010.561.800.1024
6 Mo CD - $10k0.612.500.010.843.000.1023
1 Yr CD - $10k1.102.900.011.392.700.1028
18 Mo CD - $10k1.282.950.031.463.000.2018
2 Yr CD - $10k1.383.050.101.582.800.2020
30 Mo CD - $10k1.343.000.031.762.580.4042
3 Yr CD - $10k1.443.250.031.713.000.2027
4 Yr CD - $10k1.493.350.031.873.250.2038
5 Yr CD - $10k1.623.300.032.043.250.2043
1 Mo CD - $100k0.211.250.010.200.200.20-1
2 Mo CD - $100k0.201.000.01    
3 Mo CD - $100k0.352.400.010.571.550.1023
6 Mo CD - $100k0.712.500.010.943.000.1023
1 Yr CD - $100k1.172.650.011.612.750.1043
2 Yr CD - $100k1.472.800.101.812.800.2034
3 Yr CD - $100k1.432.850.151.962.850.2053
Interest Checking - $5k0.141.710.010.171.000.013
Liquid IRA Account0.212.680.010.462.270.0126
Money Market - $2.5k0.211.820.010.281.050.057
Money Market - $10k0.312.000.010.321.050.051
Money Market - $25k0.412.160.010.421.250.051
Money Market - $50k0.442.160.010.481.400.054
Money Market - $100k0.522.160.010.591.600.057
Money Market - $250k0.552.160.010.642.250.059
Regular Savings - $1k0.212.250.010.222.050.011
New Car - 36 Mo5.098.002.873.124.741.99-197
New Car - 48 Mo5.158.252.873.414.752.49-174
New Car - 60 Mo5.258.503.373.565.002.49-169
New Car - 72 Mo4.927.493.374.065.492.74-86
Used Car - 36 Mo5.838.503.643.515.242.24-231
Used Car - 48 Mo5.798.503.743.775.292.74-202
Used Car - 60 Mo5.478.003.743.965.492.74-152
Used Car - 72 Mo4.925.994.004.516.292.99-41
New Boat - 60 Mo7.9710.995.005.7810.502.75-219
Rewards Credit Card15.5120.999.9911.5916.247.99-392
Credit Card Platinum14.3626.9910.999.9114.247.24-445
Credit Card Classic15.0920.999.9911.9517.907.24-314
Home Equity - LOC6.049.344.505.507.504.19-54
Home Equity - 5 Yr4.658.023.494.928.003.5127
Home Equity - 10 Yr5.077.993.885.318.254.2424
Home Equity - 15 Yr5.388.074.135.647.744.4926
15 Yr Fixed3.9544.5003.2503.9744.5262.8602
20 Yr Fixed4.2514.7501.0004.2434.7503.337-1
30 Yr Fixed4.4035.0003.8754.3724.8753.562-3
1 Yr ARM3.7995.3752.8754.0385.0313.12524
3/1 ARM3.8675.0001.0004.0284.9932.12516
5/1 ARM3.9765.2502.8753.8864.6352.875-9
7/1 ARM4.0985.3753.2504.0594.5673.326-4
New RV - 60 Mo7.7010.994.495.8310.502.75-187
Unsecured - 36 Mo11.5116.756.499.2013.255.74-231
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* Represents the difference in the average rate between banks and credit unions.