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 - $10k0.482.000.030.681.300.2020
6 Mo CD - $10k0.802.250.031.273.000.1547
1 Yr CD - $10k1.212.750.071.812.730.3060
18 Mo CD - $10k1.182.550.071.862.580.3568
2 Yr CD - $10k1.402.600.102.062.830.5066
30 Mo CD - $10k1.202.630.102.123.000.6091
3 Yr CD - $10k1.412.750.152.152.930.5073
4 Yr CD - $10k1.462.800.302.353.030.7089
5 Yr CD - $10k1.673.250.302.563.190.6089
1 Mo CD - $100k0.371.850.010.200.200.20-17
2 Mo CD - $100k0.421.850.01    
3 Mo CD - $100k0.562.000.030.961.550.4040
6 Mo CD - $100k0.892.250.031.473.000.1558
1 Yr CD - $100k1.352.750.071.992.730.3563
2 Yr CD - $100k1.522.600.102.302.930.5578
3 Yr CD - $100k1.532.750.152.333.000.5080
Interest Checking - $5k0.080.300.010.273.040.0319
Liquid IRA Account0.231.050.020.662.250.0743
Money Market - $2.5k0.210.850.010.511.200.0530
Money Market - $10k0.302.000.020.551.200.0525
Money Market - $25k0.422.000.020.621.350.0519
Money Market - $50k0.492.000.020.691.550.1020
Money Market - $100k0.542.000.020.771.550.1023
Money Market - $250k0.602.000.020.781.550.1018
Regular Savings - $1k0.232.100.010.190.750.05-4
New Car - 36 Mo4.155.193.542.774.001.95-138
New Car - 48 Mo4.315.193.543.094.501.95-122
New Car - 60 Mo4.375.443.543.305.001.95-107
New Car - 72 Mo4.625.693.943.654.991.99-98
Used Car - 36 Mo4.425.433.643.174.991.99-125
Used Car - 48 Mo4.565.433.693.435.291.99-113
Used Car - 60 Mo4.635.433.693.635.491.99-100
Used Car - 72 Mo4.945.634.044.106.291.99-84
New Boat - 60 Mo7.1910.594.345.118.251.99-208
Rewards Credit Card14.2917.9910.5011.2214.907.99-307
Credit Card Platinum14.3026.9910.5010.4416.157.50-386
Credit Card Classic12.2416.2410.9912.5017.998.9926
Home Equity - LOC6.508.885.245.346.504.25-116
Home Equity - 5 Yr5.448.024.234.786.251.99-66
Home Equity - 10 Yr6.097.994.945.306.552.99-79
Home Equity - 15 Yr6.638.075.845.756.854.99-88
15 Yr Fixed4.0874.4253.3754.0154.5263.116-7
20 Yr Fixed4.2464.6251.0004.4024.5003.37516
30 Yr Fixed4.5074.7503.8754.4784.8073.761-3
1 Yr ARM4.1284.5003.0004.1205.0312.625-1
3/1 ARM3.5334.5001.0003.6564.9932.12512
5/1 ARM4.2654.7503.6253.9964.7502.875-27
7/1 ARM4.1994.5533.6254.0904.7503.375-11
New RV - 60 Mo7.3810.595.255.239.501.99-215
Unsecured - 36 Mo9.8213.507.248.6913.155.85-113
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* Represents the difference in the average rate between banks and credit unions.