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 - $10k0.291.900.010.541.800.1025
6 Mo CD - $10k0.552.450.010.803.000.1025
1 Yr CD - $10k1.072.900.011.373.090.1530
18 Mo CD - $10k1.243.000.031.473.000.2024
2 Yr CD - $10k1.373.250.031.533.000.2516
30 Mo CD - $10k1.353.000.031.762.900.4041
3 Yr CD - $10k1.453.250.031.693.000.3524
4 Yr CD - $10k1.483.350.031.853.100.5036
5 Yr CD - $10k1.633.300.032.043.250.6041
1 Mo CD - $100k0.211.250.010.200.200.20-1
2 Mo CD - $100k0.201.000.01    
3 Mo CD - $100k0.301.900.010.501.550.1020
6 Mo CD - $100k0.612.450.010.853.000.1324
1 Yr CD - $100k1.122.650.011.442.700.1532
2 Yr CD - $100k1.442.850.031.732.800.4029
3 Yr CD - $100k1.412.950.031.902.850.6049
Interest Checking - $5k0.141.710.010.161.000.012
Liquid IRA Account0.202.680.010.462.500.0126
Money Market - $2.5k0.211.820.010.271.050.056
Money Market - $10k0.311.820.010.321.050.051
Money Market - $25k0.392.160.010.411.250.052
Money Market - $50k0.442.160.010.481.400.054
Money Market - $100k0.502.160.010.621.850.0512
Money Market - $250k0.532.160.010.642.250.0511
Regular Savings - $1k0.244.000.010.222.050.01-2
New Car - 36 Mo5.138.002.873.154.991.99-198
New Car - 48 Mo5.188.252.873.444.992.49-173
New Car - 60 Mo5.288.503.373.625.002.49-167
New Car - 72 Mo4.977.493.374.095.492.74-89
Used Car - 36 Mo5.878.503.643.525.242.24-235
Used Car - 48 Mo5.838.503.743.775.292.74-206
Used Car - 60 Mo5.488.003.793.945.292.74-154
Used Car - 72 Mo4.885.674.004.486.292.99-40
New Boat - 60 Mo7.9711.745.005.8110.502.75-216
Rewards Credit Card15.4520.499.9911.5716.247.99-388
Credit Card Platinum14.2426.9911.159.9714.247.24-427
Credit Card Classic14.9920.499.9911.7917.907.24-320
Home Equity - LOC6.049.094.505.487.504.25-56
Home Equity - 5 Yr4.658.313.494.898.003.1224
Home Equity - 10 Yr5.078.033.995.338.254.0026
Home Equity - 15 Yr5.418.114.255.677.744.4926
15 Yr Fixed4.2394.6503.1254.2364.5262.8600
10 Yr Fixed1.1091.0001.0004.0933.9743.974298
20 Yr Fixed4.6005.0003.8754.5324.8753.337-7
30 Yr Fixed4.7415.2504.2504.6815.1253.562-6
1 Yr ARM3.8615.3752.7504.1305.2583.37527
3/1 ARM3.9015.1251.0004.1155.2502.37521
5/1 ARM4.0245.3753.1253.9754.8813.125-5
7/1 ARM4.2825.6253.2504.1614.8133.326-12
New RV - 60 Mo7.6310.744.495.8510.502.75-178
Unsecured - 36 Mo11.4716.757.009.2613.255.74-221
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* Represents the difference in the average rate between banks and credit unions.