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 - $10k0.352.020.030.761.160.2040
6 Mo CD - $10k0.492.020.031.301.850.2081
1 Yr CD - $10k0.662.200.071.722.220.30105
18 Mo CD - $10k1.142.750.071.872.400.4072
2 Yr CD - $10k0.912.930.102.072.630.55116
30 Mo CD - $10k1.233.000.102.142.431.5691
3 Yr CD - $10k1.073.040.202.292.940.75122
4 Yr CD - $10k1.153.090.202.463.040.90131
5 Yr CD - $10k1.463.140.252.703.301.20124
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.150.200.10    
6 Mo CD - $100k0.200.250.150.750.750.7555
1 Yr CD - $100k0.300.400.201.001.001.0070
2 Yr CD - $100k0.500.600.402.022.022.02152
3 Yr CD - $100k0.700.800.602.532.532.53183
Interest Checking - $5k0.060.250.010.090.250.023
Liquid IRA Account0.332.570.010.452.020.0512
Money Market - $2.5k0.100.360.010.461.210.0536
Money Market - $10k0.171.100.030.511.210.0534
Money Market - $25k0.241.100.050.591.410.0934
Money Market - $50k0.321.100.050.661.410.1034
Money Market - $100k0.492.010.050.831.750.1034
Money Market - $250k0.552.100.050.993.000.1044
Regular Savings - $1k0.090.300.010.140.400.055
New Car - 36 Mo4.657.992.953.384.751.99-126
New Car - 48 Mo4.717.993.143.544.752.49-118
New Car - 60 Mo4.977.993.143.724.752.74-125
New Car - 72 Mo5.066.493.754.305.252.75-76
Used Car - 36 Mo5.238.993.343.474.751.99-175
Used Car - 48 Mo5.288.993.343.634.752.49-165
Used Car - 60 Mo5.258.213.343.814.752.74-144
Used Car - 72 Mo5.496.654.254.345.252.75-115
New Boat - 60 Mo6.6111.654.754.617.702.74-201
Rewards Credit Card15.5916.2412.2411.5216.906.90-407
Credit Card Platinum13.8815.2411.2410.1312.247.90-375
Credit Card Classic11.5011.5011.5011.1413.906.90-36
Home Equity - LOC6.0610.365.505.447.003.50-62
Home Equity - 5 Yr5.428.024.504.385.502.75-104
Home Equity - 10 Yr5.627.994.275.056.303.75-57
Home Equity - 15 Yr5.718.074.045.387.904.24-33
15 Yr Fixed3.8964.5003.2504.0275.1003.12513
20 Yr Fixed4.1484.7503.5004.3795.7503.62523
30 Yr Fixed4.2794.9503.7504.4926.2503.62521
1 Yr ARM3.9554.2503.5003.5003.5003.500-46
3/1 ARM3.8144.2503.3754.4134.7503.25060
5/1 ARM4.0424.6253.0004.0374.7503.5000
7/1 ARM4.1674.7503.0004.0454.3753.500-12
New RV - 60 Mo6.6311.654.754.617.702.74-203
Unsecured - 36 Mo11.4416.797.249.1613.007.15-228
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* Represents the difference in the average rate between banks and credit unions.