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 - $10k0.492.000.030.601.300.2011
6 Mo CD - $10k0.722.360.031.243.000.1552
1 Yr CD - $10k1.182.750.071.782.630.3060
18 Mo CD - $10k0.962.550.071.812.750.3585
2 Yr CD - $10k1.282.600.102.033.100.5075
30 Mo CD - $10k1.242.670.102.023.000.3577
3 Yr CD - $10k1.412.780.152.113.000.2570
4 Yr CD - $10k1.472.800.302.343.050.7086
5 Yr CD - $10k1.693.250.302.593.340.3590
1 Mo CD - $100k0.391.850.010.200.200.20-19
2 Mo CD - $100k0.451.850.01    
3 Mo CD - $100k0.582.000.030.841.550.4026
6 Mo CD - $100k0.802.360.031.403.000.1561
1 Yr CD - $100k1.312.450.071.972.630.3566
2 Yr CD - $100k1.402.750.102.293.100.5588
3 Yr CD - $100k1.542.780.152.223.000.2568
Interest Checking - $5k0.080.300.010.140.400.037
Liquid IRA Account0.231.100.020.662.500.0743
Money Market - $2.5k0.200.850.010.501.200.0530
Money Market - $10k0.292.000.020.531.200.0523
Money Market - $25k0.422.000.020.601.350.0518
Money Market - $50k0.482.000.020.671.550.1019
Money Market - $100k0.532.000.020.741.550.1021
Money Market - $250k0.592.000.020.761.550.1017
Regular Savings - $1k0.252.100.010.180.700.05-7
New Car - 36 Mo4.405.243.592.774.001.95-162
New Car - 48 Mo4.355.193.593.094.501.95-126
New Car - 60 Mo4.425.443.593.335.001.95-109
New Car - 72 Mo4.745.693.943.765.251.99-98
Used Car - 36 Mo4.715.503.643.164.991.99-154
Used Car - 48 Mo4.675.503.693.375.291.99-129
Used Car - 60 Mo4.695.433.693.605.291.99-108
Used Car - 72 Mo5.095.674.044.086.291.99-100
New Boat - 60 Mo7.6410.594.345.268.251.99-238
Rewards Credit Card14.1517.999.9911.3014.907.99-284
Credit Card Platinum14.2726.9910.5010.5116.157.50-376
Credit Card Classic12.6516.2411.2512.6617.998.991
Home Equity - LOC6.318.885.245.316.504.25-100
Home Equity - 5 Yr5.558.314.234.816.253.99-73
Home Equity - 10 Yr6.158.034.945.346.554.49-81
Home Equity - 15 Yr6.768.116.035.736.854.99-102
15 Yr Fixed4.2444.5003.6254.1604.5263.116-8
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.3624.6251.0004.5574.7503.37519
30 Yr Fixed4.7115.0004.2504.6985.0003.761-1
1 Yr ARM4.1284.5003.0004.2045.2582.6258
3/1 ARM3.7854.5001.0003.7745.2502.125-1
5/1 ARM4.4544.9823.6254.0874.8813.125-37
7/1 ARM4.4014.7343.6254.1894.8133.490-21
New RV - 60 Mo7.8310.596.495.389.501.99-245
Unsecured - 36 Mo9.7313.506.008.7013.155.85-103
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* Represents the difference in the average rate between banks and credit unions.