RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 222,054 financial institution locations in 19,540 markets across the United States as of 7/19/2019.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.321.900.010.541.760.1021
6 Mo CD - $10k0.632.380.010.842.300.2022
1 Yr CD - $10k0.912.600.071.372.520.1546
18 Mo CD - $10k1.222.800.031.702.790.2548
2 Yr CD - $10k1.262.650.101.772.830.5051
30 Mo CD - $10k1.392.850.031.932.630.8054
3 Yr CD - $10k1.372.850.031.892.920.5552
4 Yr CD - $10k1.503.040.032.043.131.0054
5 Yr CD - $10k1.773.040.032.263.331.1049
1 Mo CD - $100k0.180.550.03    
2 Mo CD - $100k0.200.550.03    
3 Mo CD - $100k0.361.900.030.511.100.2015
6 Mo CD - $100k0.572.300.030.972.020.3040
1 Yr CD - $100k1.032.730.071.442.400.4041
2 Yr CD - $100k1.242.650.101.912.680.8568
3 Yr CD - $100k1.452.920.202.012.891.2956
Interest Checking - $5k0.080.250.010.141.000.017
Liquid IRA Account0.202.000.010.371.970.0216
Money Market - $2.5k0.232.000.010.331.560.0510
Money Market - $10k0.342.350.010.411.560.058
Money Market - $25k0.462.350.010.572.250.0511
Money Market - $50k0.602.350.010.682.250.109
Money Market - $100k0.712.580.010.832.250.1512
Money Market - $250k0.752.580.010.892.680.1514
Regular Savings - $1k0.142.150.010.161.970.012
New Car - 36 Mo4.698.002.993.555.741.75-114
New Car - 48 Mo4.758.502.993.635.741.75-112
New Car - 60 Mo4.828.502.993.735.741.75-109
New Car - 72 Mo4.856.613.254.195.991.75-66
Used Car - 36 Mo5.299.503.253.685.891.75-161
Used Car - 48 Mo5.369.503.253.785.891.75-158
Used Car - 60 Mo4.998.993.253.915.892.74-109
Used Car - 72 Mo5.096.743.254.376.391.75-71
New Boat - 60 Mo7.6613.254.496.6310.242.99-103
Rewards Credit Card15.6018.2411.4012.6616.248.49-294
Credit Card Platinum13.5819.7410.2411.5515.157.99-203
Credit Card Classic13.6717.9010.2411.5213.908.49-216
Home Equity - LOC5.569.574.505.316.754.49-25
Home Equity - 5 Yr4.868.113.254.286.253.40-59
Home Equity - 10 Yr5.208.033.584.747.003.88-47
Home Equity - 15 Yr5.458.113.815.117.504.13-34
15 Yr Fixed3.6144.5002.8753.5834.4663.000-3
20 Yr Fixed3.9684.6253.5003.8994.5003.250-7
30 Yr Fixed4.0565.2503.5004.0584.9293.3750
1 Yr ARM3.2003.7502.5003.4374.1252.75024
3/1 ARM3.6604.5001.0003.7025.4682.3754
5/1 ARM3.7615.2503.0003.6845.3132.500-8
7/1 ARM3.9544.5443.1253.8154.5982.750-14
New RV - 60 Mo7.7513.254.496.8910.002.99-86
Unsecured - 36 Mo12.3317.006.9910.0214.995.24-230
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* Represents the difference in the average rate between banks and credit unions.