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 - $10k0.281.900.010.501.750.1022
6 Mo CD - $10k0.522.500.010.832.270.2031
1 Yr CD - $10k0.882.750.071.302.780.1542
18 Mo CD - $10k1.283.000.031.643.000.2537
2 Yr CD - $10k1.243.000.101.713.030.5047
30 Mo CD - $10k1.533.000.031.863.000.8034
3 Yr CD - $10k1.433.000.031.873.190.5543
4 Yr CD - $10k1.563.040.032.043.241.0048
5 Yr CD - $10k1.863.230.032.283.251.1042
1 Mo CD - $100k0.170.550.03    
2 Mo CD - $100k0.190.550.03    
3 Mo CD - $100k0.351.900.030.471.100.1511
6 Mo CD - $100k0.522.500.030.992.020.2547
1 Yr CD - $100k1.012.550.071.442.380.4043
2 Yr CD - $100k1.302.750.101.842.780.6054
3 Yr CD - $100k1.573.000.202.032.851.0446
Interest Checking - $5k0.080.500.010.141.250.016
Liquid IRA Account0.192.000.010.371.970.0217
Money Market - $2.5k0.221.750.010.301.560.058
Money Market - $10k0.302.350.010.381.560.058
Money Market - $25k0.422.350.010.572.250.0515
Money Market - $50k0.522.350.010.682.250.1015
Money Market - $100k0.632.350.010.822.250.1519
Money Market - $250k0.692.450.010.822.250.1513
Regular Savings - $1k0.234.000.010.161.970.01-7
New Car - 36 Mo4.598.002.743.535.741.49-107
New Car - 48 Mo4.678.502.743.635.741.75-104
New Car - 60 Mo4.768.502.993.745.741.75-103
New Car - 72 Mo4.856.613.244.185.991.75-67
Used Car - 36 Mo5.149.502.993.635.891.49-151
Used Car - 48 Mo5.239.502.993.745.891.75-148
Used Car - 60 Mo4.938.992.993.855.891.75-108
Used Car - 72 Mo4.976.743.254.356.391.75-62
New Boat - 60 Mo7.6513.255.006.5310.242.99-112
Rewards Credit Card15.5118.2411.4012.6216.248.49-288
Credit Card Platinum13.5517.2410.2411.6815.157.99-187
Credit Card Classic13.6217.9010.2411.4013.908.24-223
Home Equity - LOC5.509.324.505.316.504.50-20
Home Equity - 5 Yr4.878.312.754.356.253.12-51
Home Equity - 10 Yr5.258.033.504.807.003.99-45
Home Equity - 15 Yr5.508.113.815.207.504.25-30
15 Yr Fixed4.2104.7003.3754.2334.7503.6252
10 Yr Fixed1.1091.0001.000 
20 Yr Fixed4.5064.8754.0004.5305.0003.2502
30 Yr Fixed4.6405.1254.2504.6995.1254.2506
1 Yr ARM3.3544.5002.5003.7114.5002.75036
3/1 ARM3.7484.6251.0003.9355.4682.75019
5/1 ARM3.9795.2503.1253.9615.3133.125-2
7/1 ARM4.1734.8753.5004.1764.7503.5000
New RV - 60 Mo7.6613.254.496.8310.002.99-83
Unsecured - 36 Mo12.2617.006.4910.0514.995.24-221
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* Represents the difference in the average rate between banks and credit unions.