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 - $10k0.492.000.030.671.300.2018
6 Mo CD - $10k0.902.150.031.232.250.1533
1 Yr CD - $10k1.222.750.071.802.630.3058
18 Mo CD - $10k1.122.550.071.812.580.3569
2 Yr CD - $10k1.372.600.102.032.830.5066
30 Mo CD - $10k1.082.480.102.013.000.3593
3 Yr CD - $10k1.352.700.152.092.830.2574
4 Yr CD - $10k1.372.800.302.332.930.7597
5 Yr CD - $10k1.592.900.302.523.500.3593
1 Mo CD - $100k0.381.850.010.200.200.20-18
2 Mo CD - $100k0.441.850.01    
3 Mo CD - $100k0.562.000.030.941.450.3038
6 Mo CD - $100k0.962.150.031.412.250.1546
1 Yr CD - $100k1.402.750.071.972.630.3556
2 Yr CD - $100k1.452.600.102.252.810.5580
3 Yr CD - $100k1.432.700.152.262.910.2583
Interest Checking - $5k0.080.300.010.273.040.0319
Liquid IRA Account0.231.050.020.682.250.0746
Money Market - $2.5k0.220.850.010.491.200.0527
Money Market - $10k0.322.000.020.531.200.0521
Money Market - $25k0.512.000.020.601.350.059
Money Market - $50k0.582.000.020.681.550.1010
Money Market - $100k0.632.000.020.761.550.1013
Money Market - $250k0.702.000.020.781.550.108
Regular Savings - $1k0.242.100.010.190.750.05-5
New Car - 36 Mo4.325.153.392.784.001.95-154
New Car - 48 Mo4.425.443.393.094.501.95-133
New Car - 60 Mo4.495.443.393.295.001.95-120
New Car - 72 Mo4.775.693.943.624.991.99-115
Used Car - 36 Mo4.595.433.593.184.991.99-141
Used Car - 48 Mo4.695.443.593.425.291.99-127
Used Car - 60 Mo4.785.443.593.605.491.99-118
Used Car - 72 Mo5.185.584.044.066.291.99-112
New Boat - 60 Mo7.2710.614.345.078.251.99-219
Rewards Credit Card14.3117.9910.5011.2315.157.99-308
Credit Card Platinum14.2126.9910.5010.4516.157.50-376
Credit Card Classic12.3516.9910.9912.4817.998.9913
Home Equity - LOC6.619.125.495.336.504.25-129
Home Equity - 5 Yr5.738.115.094.866.253.99-87
Home Equity - 10 Yr5.638.035.065.376.744.49-26
Home Equity - 15 Yr6.288.115.285.717.244.99-56
15 Yr Fixed3.8694.3753.0003.6584.0002.875-21
20 Yr Fixed4.0494.5001.0004.0984.3753.2505
30 Yr Fixed4.3384.6253.7504.1704.5003.500-17
1 Yr ARM3.8424.2503.0003.7064.5752.625-14
3/1 ARM3.6794.8751.0003.6014.8752.000-8
5/1 ARM4.1074.7503.3753.8904.7502.750-22
7/1 ARM4.0204.5443.3753.9354.7502.875-9
New RV - 60 Mo7.4610.615.255.199.251.99-227
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.