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 - $10k0.332.020.030.761.110.2042
6 Mo CD - $10k0.361.530.031.202.100.2084
1 Yr CD - $10k0.542.200.071.582.300.30104
18 Mo CD - $10k1.022.750.071.742.530.4072
2 Yr CD - $10k0.892.930.101.952.800.55106
30 Mo CD - $10k1.202.930.102.433.001.66123
3 Yr CD - $10k1.113.040.202.233.050.75112
4 Yr CD - $10k1.263.090.202.503.050.90124
5 Yr CD - $10k1.543.140.252.763.301.20122
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.200.10    
6 Mo CD - $100k0.170.250.100.750.750.7558
1 Yr CD - $100k0.250.400.151.001.001.0075
2 Yr CD - $100k0.420.600.251.361.361.3694
3 Yr CD - $100k0.570.800.301.611.611.61104
Interest Checking - $5k0.060.250.010.090.200.023
Liquid IRA Account0.322.570.010.442.020.0512
Money Market - $2.5k0.110.360.010.451.500.0534
Money Market - $10k0.171.100.030.491.500.0532
Money Market - $25k0.251.100.050.561.500.0932
Money Market - $50k0.321.100.050.631.750.1031
Money Market - $100k0.491.500.050.772.000.1028
Money Market - $250k0.532.000.050.852.000.1033
Regular Savings - $1k0.080.300.010.130.300.054
New Car - 36 Mo4.697.992.993.355.301.99-133
New Car - 48 Mo4.777.993.253.495.302.49-127
New Car - 60 Mo5.027.993.503.675.302.59-134
New Car - 72 Mo5.136.493.754.235.302.59-90
Used Car - 36 Mo5.248.992.993.485.301.99-176
Used Car - 48 Mo5.318.993.253.625.302.49-169
Used Car - 60 Mo5.328.213.503.805.302.59-153
Used Car - 72 Mo5.236.653.754.305.302.59-94
New Boat - 60 Mo6.5211.653.504.577.702.74-195
Rewards Credit Card15.5816.2411.9911.4616.906.90-412
Credit Card Platinum14.1015.2411.2410.3812.248.90-372
Credit Card Classic11.5011.5011.5011.2513.906.90-25
Home Equity - LOC5.727.745.005.297.003.50-43
Home Equity - 5 Yr5.438.224.134.445.502.75-99
Home Equity - 10 Yr5.717.994.655.136.303.75-58
Home Equity - 15 Yr5.948.074.755.547.904.76-40
15 Yr Fixed4.4705.7503.7004.4385.5003.750-3
20 Yr Fixed4.7806.1254.1254.7815.7504.1250
30 Yr Fixed4.8295.1254.2504.9616.2504.35013
1 Yr ARM4.4595.3753.6254.5984.8754.25014
3/1 ARM3.9504.5003.6004.8445.3753.75089
5/1 ARM4.2944.9853.6254.4594.7503.75016
7/1 ARM4.4674.8753.7504.6115.0004.00014
New RV - 60 Mo6.8212.173.504.577.702.74-226
Unsecured - 36 Mo11.5916.007.249.2313.007.15-236
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* Represents the difference in the average rate between banks and credit unions.