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 - $10k0.501.300.030.831.900.2533
6 Mo CD - $10k0.812.200.050.902.350.159
1 Yr CD - $10k1.172.350.101.682.750.2050
18 Mo CD - $10k1.372.770.152.013.000.4564
2 Yr CD - $10k1.482.450.201.862.900.5038
30 Mo CD - $10k1.272.870.401.482.500.7022
3 Yr CD - $10k1.662.920.302.112.950.7045
4 Yr CD - $10k1.853.070.502.093.001.0024
5 Yr CD - $10k2.133.270.602.613.251.3048
1 Mo CD - $100k0.250.350.05    
2 Mo CD - $100k0.250.350.05    
3 Mo CD - $100k0.711.250.050.750.750.754
6 Mo CD - $100k0.861.500.051.501.501.5064
1 Yr CD - $100k1.142.000.102.252.252.25111
2 Yr CD - $100k1.362.250.202.752.752.75139
3 Yr CD - $100k1.612.400.402.852.852.85124
Interest Checking - $5k0.120.600.010.100.150.01-1
Liquid IRA Account0.842.270.030.712.000.05-13
Money Market - $2.5k0.221.000.010.310.750.029
Money Market - $10k0.271.000.010.280.750.031
Money Market - $25k0.351.160.010.431.700.048
Money Market - $50k0.401.160.010.471.800.047
Money Market - $100k0.511.700.030.612.200.0611
Money Market - $250k0.602.000.030.672.250.086
Regular Savings - $1k0.160.800.010.110.200.04-6
New Car - 36 Mo4.717.002.403.624.142.75-110
New Car - 48 Mo4.827.002.753.734.142.95-109
New Car - 60 Mo4.907.132.753.754.142.95-115
New Car - 72 Mo4.997.502.954.184.643.34-81
Used Car - 36 Mo4.807.902.403.644.142.75-116
Used Car - 48 Mo4.947.902.753.754.142.95-119
Used Car - 60 Mo4.907.002.753.774.142.95-113
Used Car - 72 Mo4.546.252.954.274.643.34-27
New Boat - 60 Mo5.3610.602.994.034.992.95-134
Rewards Credit Card15.4818.249.9011.6514.906.90-383
Credit Card Platinum14.0517.748.909.489.908.65-456
Credit Card Classic13.5114.999.9012.1413.9011.00-137
Home Equity - LOC6.188.005.255.315.504.24-87
Home Equity - 5 Yr4.966.493.254.034.633.51-93
Home Equity - 10 Yr5.356.994.254.475.383.74-88
Home Equity - 15 Yr5.807.144.254.715.633.74-109
15 Yr Fixed4.1484.3753.3754.1304.4903.625-2
20 Yr Fixed4.3284.7501.0004.4034.7403.8757
30 Yr Fixed4.5654.8753.8754.5504.8754.125-1
3/1 ARM3.8825.2501.0003.1693.2502.875-71
5/1 ARM4.5765.0003.6253.2383.2503.000-134
7/1 ARM4.6575.0003.8753.4833.5003.250-117
New RV - 60 Mo5.3810.602.994.034.992.95-135
Unsecured - 36 Mo8.3013.214.008.8310.756.9953
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* Represents the difference in the average rate between banks and credit unions.