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 - $10k0.331.900.010.521.760.1019
6 Mo CD - $10k0.582.360.010.852.300.2027
1 Yr CD - $10k0.942.700.071.392.750.1545
18 Mo CD - $10k1.292.800.031.773.000.2548
2 Yr CD - $10k1.293.000.101.783.000.5050
30 Mo CD - $10k1.483.000.031.903.000.8042
3 Yr CD - $10k1.433.000.031.893.000.5547
4 Yr CD - $10k1.563.040.032.043.131.0048
5 Yr CD - $10k1.873.230.032.303.331.1043
1 Mo CD - $100k0.170.550.03    
2 Mo CD - $100k0.190.550.03    
3 Mo CD - $100k0.351.900.030.471.100.1512
6 Mo CD - $100k0.552.150.030.952.020.2539
1 Yr CD - $100k1.022.730.071.532.750.5051
2 Yr CD - $100k1.252.650.102.023.000.8577
3 Yr CD - $100k1.492.920.202.032.891.0454
Interest Checking - $5k0.080.250.010.120.500.014
Liquid IRA Account0.202.000.010.361.970.0216
Money Market - $2.5k0.242.430.010.331.560.059
Money Market - $10k0.342.430.010.411.560.057
Money Market - $25k0.472.430.010.582.250.0511
Money Market - $50k0.572.350.010.682.250.1011
Money Market - $100k0.702.580.010.842.250.1514
Money Market - $250k0.742.580.010.882.680.1514
Regular Savings - $1k0.142.250.010.161.970.012
New Car - 36 Mo4.628.002.743.535.741.75-109
New Car - 48 Mo4.698.502.743.635.741.75-106
New Car - 60 Mo4.778.502.993.745.741.75-103
New Car - 72 Mo4.886.613.254.205.991.75-67
Used Car - 36 Mo5.149.502.993.675.891.75-147
Used Car - 48 Mo5.219.502.993.775.891.75-144
Used Car - 60 Mo4.828.992.993.895.891.75-93
Used Car - 72 Mo5.046.653.254.386.391.75-66
New Boat - 60 Mo7.6413.255.006.6110.242.99-103
Rewards Credit Card15.6118.2411.4012.7016.248.49-291
Credit Card Platinum13.6417.7410.2411.6315.157.99-201
Credit Card Classic13.6717.9010.2411.4413.908.49-224
Home Equity - LOC5.619.824.505.326.504.49-29
Home Equity - 5 Yr4.918.113.254.296.253.12-62
Home Equity - 10 Yr5.288.033.584.757.003.99-54
Home Equity - 15 Yr5.548.113.815.147.504.25-40
15 Yr Fixed3.9644.3753.3753.9454.4663.375-2
20 Yr Fixed4.2574.6253.8754.2144.5003.250-4
30 Yr Fixed4.3405.0003.8754.3664.9293.8753
1 Yr ARM3.3024.0002.5003.6194.2502.75032
3/1 ARM3.7174.5001.0003.8225.4682.87510
5/1 ARM3.9015.2503.1253.8435.3133.000-6
7/1 ARM4.1094.6253.5004.0194.5983.250-9
New RV - 60 Mo7.6413.254.496.8510.002.99-78
Unsecured - 36 Mo12.1517.006.4910.0114.995.24-214
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* Represents the difference in the average rate between banks and credit unions.