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 - $10k0.311.900.010.641.500.0232
6 Mo CD - $10k0.522.020.011.213.000.0269
1 Yr CD - $10k0.942.500.011.742.530.0780
18 Mo CD - $10k1.062.650.021.862.600.0880
2 Yr CD - $10k1.232.780.022.122.750.4189
30 Mo CD - $10k1.173.000.022.003.000.1083
3 Yr CD - $10k1.403.040.022.312.950.6091
4 Yr CD - $10k1.563.040.022.513.000.7595
5 Yr CD - $10k1.813.250.022.763.300.9995
1 Mo CD - $100k0.250.600.010.030.030.03-22
2 Mo CD - $100k0.200.850.01    
3 Mo CD - $100k0.301.900.010.741.550.1044
6 Mo CD - $100k0.481.990.011.163.000.1368
1 Yr CD - $100k0.852.240.051.562.500.2371
2 Yr CD - $100k1.202.750.101.983.000.4178
3 Yr CD - $100k1.413.040.152.042.850.6063
Interest Checking - $5k0.111.010.010.170.450.016
Liquid IRA Account0.631.760.010.581.760.05-5
Money Market - $2.5k0.191.000.010.501.100.0531
Money Market - $10k0.231.260.010.591.300.1037
Money Market - $25k0.291.500.010.732.250.1044
Money Market - $50k0.341.500.010.822.250.1048
Money Market - $100k0.442.330.010.922.250.1548
Money Market - $250k0.492.330.010.972.250.1548
Regular Savings - $1k0.130.550.010.180.550.015
New Car - 36 Mo4.737.782.493.364.741.29-138
New Car - 48 Mo4.797.872.693.494.741.99-130
New Car - 60 Mo4.877.982.793.654.742.00-122
New Car - 72 Mo5.058.233.244.045.002.45-101
Used Car - 36 Mo5.238.532.493.836.491.99-140
Used Car - 48 Mo5.268.622.753.926.492.40-134
Used Car - 60 Mo5.218.732.994.056.492.58-116
Used Car - 72 Mo4.756.793.244.426.293.49-33
New Boat - 60 Mo6.499.754.255.658.252.58-83
Rewards Credit Card14.9818.2410.7011.1814.156.99-380
Credit Card Platinum13.5517.249.9910.4111.997.24-313
Credit Card Classic14.2418.009.9610.6518.007.24-359
Home Equity - LOC5.587.893.995.296.254.00-29
Home Equity - 5 Yr5.757.753.995.086.992.99-67
Home Equity - 10 Yr6.017.994.495.546.993.99-46
Home Equity - 15 Yr6.308.174.506.117.993.99-18
15 Yr Fixed4.2506.1253.3754.0264.7502.833-22
20 Yr Fixed4.5077.0003.6254.3344.7503.315-17
30 Yr Fixed4.6316.5003.7504.4464.8753.421-18
1 Yr ARM4.6286.2503.1904.4944.7503.875-13
3/1 ARM4.4306.5003.3404.1275.0002.125-30
5/1 ARM4.5386.7503.3754.0804.5002.875-46
7/1 ARM4.4835.2503.5004.2734.5003.625-21
New RV - 60 Mo6.639.754.255.658.092.58-98
Unsecured - 36 Mo9.5416.505.509.1711.005.74-37
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* Represents the difference in the average rate between banks and credit unions.