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 - $10k0.342.050.010.632.250.0529
6 Mo CD - $10k0.662.500.011.012.350.1035
1 Yr CD - $10k1.112.850.011.452.890.1034
18 Mo CD - $10k1.182.950.031.712.940.1553
2 Yr CD - $10k1.322.900.101.733.050.1042
30 Mo CD - $10k1.123.000.031.953.050.4083
3 Yr CD - $10k1.413.000.031.923.150.2551
4 Yr CD - $10k1.473.150.032.123.250.5065
5 Yr CD - $10k1.693.250.032.293.500.7560
1 Mo CD - $100k0.191.250.010.370.750.1518
2 Mo CD - $100k0.160.700.010.400.750.2024
3 Mo CD - $100k0.342.050.010.712.250.1037
6 Mo CD - $100k0.662.320.011.122.350.1046
1 Yr CD - $100k1.022.850.011.542.700.1052
2 Yr CD - $100k1.192.900.031.832.950.1064
3 Yr CD - $100k1.282.700.032.033.000.2575
Interest Checking - $5k0.110.900.010.131.000.012
Liquid IRA Account0.292.250.010.483.460.0419
Money Market - $2.5k0.272.250.010.412.120.0514
Money Market - $10k0.352.350.010.492.120.0515
Money Market - $25k0.492.350.010.622.120.0513
Money Market - $50k0.542.350.010.752.250.0521
Money Market - $100k0.592.400.010.872.250.0527
Money Market - $250k0.632.400.010.952.250.0532
Regular Savings - $1k0.192.250.010.181.970.01-1
New Car - 36 Mo5.008.503.093.124.791.99-187
New Car - 48 Mo5.089.253.093.364.791.99-172
New Car - 60 Mo5.209.753.093.494.941.99-171
New Car - 72 Mo4.937.143.093.845.591.99-109
Used Car - 36 Mo5.599.503.253.575.501.99-202
Used Car - 48 Mo5.619.503.253.765.501.99-185
Used Car - 60 Mo5.429.753.253.875.501.99-155
Used Car - 72 Mo5.036.993.594.186.291.99-85
New Boat - 60 Mo7.1412.004.005.639.252.89-151
Rewards Credit Card15.6220.999.9911.1314.656.50-448
Credit Card Platinum13.9526.9911.2410.1813.507.25-377
Credit Card Classic14.3220.999.4911.5117.156.95-280
Home Equity - LOC6.069.324.005.537.503.50-53
Home Equity - 5 Yr5.138.113.404.727.743.24-41
Home Equity - 10 Yr5.538.604.005.097.743.65-44
Home Equity - 15 Yr5.668.324.255.507.743.90-16
15 Yr Fixed3.9435.8753.0003.5965.7502.875-35
20 Yr Fixed4.1916.2501.0003.9466.5003.250-24
30 Yr Fixed4.3096.5003.5004.0407.0003.375-27
1 Yr ARM3.7384.0003.0003.8995.2502.50016
3/1 ARM3.6895.0001.0003.6084.7502.750-8
5/1 ARM3.8665.0003.0003.5905.0002.500-28
7/1 ARM3.9805.5003.1253.7355.5002.750-24
New RV - 60 Mo7.2812.004.005.689.252.89-160
Unsecured - 36 Mo10.2816.754.009.0918.006.25-119
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* Represents the difference in the average rate between banks and credit unions.