RateDex

Rates based upon a survey of 262,253 financial institution locations in 19,596 markets across the United States as of 9/26/2021. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo4.17%2.58%medalCredit Unions by 159 bp
New Car - 48 Mo4.21%2.71%medalCredit Unions by 150 bp
New Car - 60 Mo4.29%2.81%medalCredit Unions by 148 bp
New Car - 72 Mo4.38%3.13%medalCredit Unions by 125 bp
Used Car - 36 Mo4.57%2.78%medalCredit Unions by 179 bp
Used Car - 48 Mo4.58%2.90%medalCredit Unions by 169 bp
Used Car - 60 Mo4.46%3.00%medalCredit Unions by 146 bp
Used Car - 72 Mo4.50%3.31%medalCredit Unions by 120 bp
Boat
Boat
New Boat - 60 Mo6.15%5.00%medalCredit Unions by 115 bp
Credit Card
Credit Card
Rewards Credit Card13.55%10.39%medalCredit Unions by 315 bp
Credit Card Classic12.30%10.96%medalCredit Unions by 135 bp
Credit Card Platinum13.01%9.22%medalCredit Unions by 380 bp
Home Equity
Home Equity
Home Equity - LOC4.00%medal4.03%Banks by 3 bp
Home Equity - 5 Yr3.78%medal4.28%Banks by 50 bp
Home Equity - 10 Yr4.34%medal4.62%Banks by 28 bp
Home Equity - 15 Yr4.71%medal5.04%Banks by 33 bp
Mortgage
Mortgage
1 Yr ARM3.16%2.97%medalCredit Unions by 19 bp
3/1 ARM3.44%2.96%medalCredit Unions by 47 bp
5/1 ARM3.23%2.93%medalCredit Unions by 29 bp
7/1 ARM3.20%3.05%medalCredit Unions by 16 bp
15 Yr Fixed2.65%2.66%
20 Yr Fixed3.58%3.52%medalCredit Unions by 6 bp
30 Yr Fixed3.15%3.15%
Rv
Rv
New RV - 60 Mo6.23%5.26%medalCredit Unions by 97 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.31%8.85%medalCredit Unions by 46 bp
CD
CD
3 Mo CD - $10k0.07%0.16%medalCredit Unions by 9 bp
6 Mo CD - $10k0.11%0.24%medalCredit Unions by 13 bp
1 Yr CD - $10k0.16%0.35%medalCredit Unions by 19 bp
18 Mo CD - $10k0.18%0.39%medalCredit Unions by 21 bp
2 Yr CD - $10k0.22%0.46%medalCredit Unions by 24 bp
30 Mo CD - $10k0.27%0.50%medalCredit Unions by 22 bp
3 Yr CD - $10k0.27%0.57%medalCredit Unions by 29 bp
4 Yr CD - $10k0.31%0.65%medalCredit Unions by 34 bp
5 Yr CD - $10k0.36%0.76%medalCredit Unions by 39 bp
1 Mo CD - $100k0.06%0.18%medalCredit Unions by 12 bp
2 Mo CD - $100k0.05%0.45%medalCredit Unions by 40 bp
3 Mo CD - $100k0.08%0.19%medalCredit Unions by 11 bp
6 Mo CD - $100k0.11%0.26%medalCredit Unions by 15 bp
1 Yr CD - $100k0.17%0.37%medalCredit Unions by 20 bp
2 Yr CD - $100k0.23%0.49%medalCredit Unions by 26 bp
3 Yr CD - $100k0.28%0.59%medalCredit Unions by 31 bp
Checking
Checking
Interest Checking - $5k0.03%0.38%medalCredit Unions by 35 bp
Ira
Ira
Liquid IRA Account0.11%0.25%medalCredit Unions by 14 bp
Money Market
Money Market
Money Market - $2.5k0.06%0.14%medalCredit Unions by 8 bp
Money Market - $10k0.07%0.16%medalCredit Unions by 9 bp
Money Market - $25k0.08%0.19%medalCredit Unions by 11 bp
Money Market - $50k0.09%0.22%medalCredit Unions by 12 bp
Money Market - $100k0.12%0.26%medalCredit Unions by 14 bp
Money Market - $250k0.13%0.28%medalCredit Unions by 15 bp
Savings
Savings
Regular Savings - $1k0.05%0.19%medalCredit Unions by 13 bp

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