RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,054 financial institution locations in 19,540 markets across the United States as of 7/19/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.342.150.010.641.500.0230
6 Mo CD - $10k0.572.150.011.212.100.0263
1 Yr CD - $10k0.932.280.011.742.530.0781
18 Mo CD - $10k1.032.850.021.922.600.0888
2 Yr CD - $10k1.202.780.022.112.750.4192
30 Mo CD - $10k1.153.000.021.982.700.1082
3 Yr CD - $10k1.383.040.022.272.950.6089
4 Yr CD - $10k1.523.040.022.443.000.7591
5 Yr CD - $10k1.793.250.022.693.500.9989
1 Mo CD - $100k0.230.600.010.030.030.03-20
2 Mo CD - $100k0.230.850.01    
3 Mo CD - $100k0.301.900.010.721.450.1042
6 Mo CD - $100k0.562.000.051.062.250.1350
1 Yr CD - $100k0.882.240.101.522.400.2364
2 Yr CD - $100k1.182.520.151.892.650.4171
3 Yr CD - $100k1.393.040.201.952.750.6056
Interest Checking - $5k0.111.010.010.180.450.016
Liquid IRA Account0.612.010.010.581.760.05-3
Money Market - $2.5k0.211.000.010.501.100.0530
Money Market - $10k0.251.260.010.591.300.1034
Money Market - $25k0.301.500.010.732.000.1042
Money Market - $50k0.361.500.010.822.000.1046
Money Market - $100k0.482.320.010.922.000.1544
Money Market - $250k0.532.320.010.962.000.1543
Regular Savings - $1k0.162.500.010.180.550.012
New Car - 36 Mo4.827.783.293.384.741.29-144
New Car - 48 Mo4.907.873.293.544.742.00-137
New Car - 60 Mo4.967.983.393.644.742.00-132
New Car - 72 Mo5.138.233.744.055.002.45-109
Used Car - 36 Mo5.278.532.943.836.491.99-144
Used Car - 48 Mo5.338.622.943.956.492.00-138
Used Car - 60 Mo5.248.733.404.046.492.00-120
Used Car - 72 Mo4.666.253.244.436.292.50-24
New Boat - 60 Mo6.6710.844.255.808.254.24-87
Rewards Credit Card15.0518.2410.7011.1814.156.99-387
Credit Card Platinum13.6819.749.9910.5511.998.24-314
Credit Card Classic14.1918.009.9610.6418.007.99-356
Home Equity - LOC5.659.563.995.436.254.00-22
Home Equity - 5 Yr5.757.753.755.046.992.99-71
Home Equity - 10 Yr5.977.994.135.536.993.99-44
Home Equity - 15 Yr6.348.174.996.047.993.99-30
15 Yr Fixed4.0695.7502.8753.7004.6252.833-37
20 Yr Fixed4.3696.9503.5004.1444.6253.315-22
30 Yr Fixed4.4806.1253.5004.1995.0003.421-28
1 Yr ARM4.5556.2503.1254.7004.7503.75015
3/1 ARM4.2916.5003.2504.0025.0003.125-29
5/1 ARM4.4186.7503.0473.7174.5003.250-70
7/1 ARM4.3815.2503.3753.7834.1253.375-60
New RV - 60 Mo6.7510.844.255.788.094.24-97
Unsecured - 36 Mo9.7916.505.509.1911.005.74-60
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* Represents the difference in the average rate between banks and credit unions.