RateDex

Rates based upon a survey of 273,522 financial institution locations in 19,604 markets across the United States as of 5/17/2022. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo4.24%2.65%medalCredit Unions by 159 bp
New Car - 48 Mo4.29%2.77%medalCredit Unions by 152 bp
New Car - 60 Mo4.38%2.88%medalCredit Unions by 150 bp
New Car - 72 Mo4.43%3.18%medalCredit Unions by 124 bp
Used Car - 36 Mo4.62%2.83%medalCredit Unions by 179 bp
Used Car - 48 Mo4.63%2.95%medalCredit Unions by 168 bp
Used Car - 60 Mo4.57%3.06%medalCredit Unions by 151 bp
Used Car - 72 Mo4.47%3.34%medalCredit Unions by 113 bp
Boat
Boat
New Boat - 60 Mo6.09%4.92%medalCredit Unions by 118 bp
Credit Card
Credit Card
Rewards Credit Card13.91%10.63%medalCredit Unions by 328 bp
Credit Card Classic12.40%11.04%medalCredit Unions by 136 bp
Credit Card Platinum13.17%9.51%medalCredit Unions by 366 bp
Home Equity
Home Equity
Home Equity - LOC4.35%3.92%medalCredit Unions by 43 bp
Home Equity - 5 Yr5.04%4.35%medalCredit Unions by 69 bp
Home Equity - 10 Yr5.30%4.81%medalCredit Unions by 49 bp
Home Equity - 15 Yr5.51%5.12%medalCredit Unions by 38 bp
Mortgage
Mortgage
3/1 ARM3.82%3.53%medalCredit Unions by 29 bp
5/1 ARM3.83%3.65%medalCredit Unions by 18 bp
7/1 ARM3.86%3.80%medalCredit Unions by 6 bp
15 Yr Fixed4.19%medal4.22%Banks by 3 bp
20 Yr Fixed3.63%medal3.68%Banks by 5 bp
30 Yr Fixed4.78%medal4.81%Banks by 4 bp
Rv
Rv
New RV - 60 Mo6.14%4.94%medalCredit Unions by 119 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.25%8.71%medalCredit Unions by 55 bp
CD
CD
3 Mo CD - $10k0.08%0.19%medalCredit Unions by 11 bp
6 Mo CD - $10k0.12%0.28%medalCredit Unions by 16 bp
1 Yr CD - $10k0.18%0.42%medalCredit Unions by 23 bp
18 Mo CD - $10k0.20%0.48%medalCredit Unions by 28 bp
2 Yr CD - $10k0.26%0.56%medalCredit Unions by 30 bp
30 Mo CD - $10k0.24%0.63%medalCredit Unions by 39 bp
3 Yr CD - $10k0.31%0.68%medalCredit Unions by 37 bp
4 Yr CD - $10k0.34%0.78%medalCredit Unions by 44 bp
5 Yr CD - $10k0.40%0.91%medalCredit Unions by 50 bp
1 Mo CD - $100k0.06%0.20%medalCredit Unions by 15 bp
2 Mo CD - $100k0.05%0.44%medalCredit Unions by 39 bp
3 Mo CD - $100k0.08%0.22%medalCredit Unions by 14 bp
6 Mo CD - $100k0.13%0.30%medalCredit Unions by 18 bp
1 Yr CD - $100k0.19%0.45%medalCredit Unions by 25 bp
2 Yr CD - $100k0.26%0.59%medalCredit Unions by 33 bp
3 Yr CD - $100k0.32%0.72%medalCredit Unions by 40 bp
Checking
Checking
Interest Checking - $5k0.04%0.09%medalCredit Unions by 5 bp
Ira
Ira
Liquid IRA Account0.11%0.25%medalCredit Unions by 14 bp
Money Market
Money Market
Money Market - $2.5k0.06%0.15%medalCredit Unions by 9 bp
Money Market - $10k0.07%0.16%medalCredit Unions by 10 bp
Money Market - $25k0.08%0.20%medalCredit Unions by 12 bp
Money Market - $50k0.10%0.23%medalCredit Unions by 14 bp
Money Market - $100k0.12%0.27%medalCredit Unions by 15 bp
Money Market - $250k0.13%0.29%medalCredit Unions by 16 bp
Savings
Savings
Regular Savings - $1k0.05%0.10%medalCredit Unions by 4 bp

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* Represents the difference in the average rate between banks and credit unions.