RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,125 financial institution locations in 19,540 markets across the United States as of 7/20/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.221.260.010.741.210.4052
6 Mo CD - $10k0.351.510.011.091.800.5074
1 Yr CD - $10k0.842.200.071.612.400.6077
18 Mo CD - $10k1.042.250.031.852.651.0082
2 Yr CD - $10k0.962.500.102.042.601.00108
30 Mo CD - $10k1.273.000.031.982.751.0071
3 Yr CD - $10k1.122.750.032.182.751.25106
4 Yr CD - $10k1.213.040.032.263.001.55105
5 Yr CD - $10k1.473.040.032.483.251.75101
1 Mo CD - $100k0.070.100.05    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.170.500.051.343.100.75117
6 Mo CD - $100k0.371.500.051.171.500.5080
1 Yr CD - $100k0.792.100.101.972.451.00118
2 Yr CD - $100k1.012.500.202.342.601.76133
3 Yr CD - $100k1.172.750.302.522.652.02135
Interest Checking - $5k0.030.100.010.211.750.0217
Liquid IRA Account0.170.700.020.521.560.1035
Money Market - $2.5k0.162.000.010.401.560.0524
Money Market - $10k0.222.000.010.521.560.2030
Money Market - $25k0.262.000.010.611.660.2035
Money Market - $50k0.342.000.010.681.660.3034
Money Market - $100k0.482.000.010.891.770.3041
Money Market - $250k0.522.000.010.981.770.3546
Regular Savings - $1k0.070.200.010.160.500.059
New Car - 36 Mo4.987.993.393.714.752.50-126
New Car - 48 Mo5.017.993.393.845.742.50-117
New Car - 60 Mo5.047.993.393.916.242.50-113
New Car - 72 Mo4.916.493.544.677.994.12-24
Used Car - 36 Mo5.548.993.593.754.752.50-179
Used Car - 48 Mo5.528.993.593.855.742.50-167
Used Car - 60 Mo5.186.243.593.926.242.50-126
Used Car - 72 Mo5.996.655.274.717.994.12-128
New Boat - 60 Mo7.9413.256.006.198.743.99-175
Rewards Credit Card15.2316.9912.2412.2716.209.15-296
Credit Card Platinum13.6515.2411.2410.6012.249.15-305
Credit Card Classic   12.5212.9912.00 
Home Equity - LOC5.959.065.005.326.573.49-63
Home Equity - 5 Yr4.878.113.754.334.993.50-54
Home Equity - 10 Yr5.228.034.394.945.534.25-28
Home Equity - 15 Yr5.578.114.755.476.054.75-10
15 Yr Fixed3.6754.2502.9903.5404.1253.000-14
20 Yr Fixed4.0384.7503.5003.8484.5003.500-19
30 Yr Fixed4.1094.8753.5004.0164.6253.625-9
1 Yr ARM3.1883.6252.6253.6723.7503.37548
3/1 ARM3.6975.0002.7503.1474.4262.375-55
5/1 ARM3.7674.6192.9503.3824.2782.500-38
7/1 ARM3.9154.5443.1253.6654.6502.750-25
New RV - 60 Mo8.0613.256.296.248.743.99-182
Unsecured - 36 Mo11.3716.666.999.6412.907.74-174
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* Represents the difference in the average rate between banks and credit unions.