RateDex

Rates based upon a survey of 276,776 financial institution locations in 19,608 markets across the United States as of 8/11/2022. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo4.55%3.19%medalCredit Unions by 136 bp
New Car - 48 Mo4.60%3.32%medalCredit Unions by 128 bp
New Car - 60 Mo4.69%3.44%medalCredit Unions by 126 bp
New Car - 72 Mo4.80%3.73%medalCredit Unions by 107 bp
Used Car - 36 Mo4.93%3.36%medalCredit Unions by 158 bp
Used Car - 48 Mo4.95%3.48%medalCredit Unions by 147 bp
Used Car - 60 Mo4.90%3.60%medalCredit Unions by 131 bp
Used Car - 72 Mo4.82%3.88%medalCredit Unions by 93 bp
Boat
Boat
New Boat - 60 Mo6.30%5.27%medalCredit Unions by 103 bp
Credit Card
Credit Card
Rewards Credit Card15.02%11.37%medalCredit Unions by 364 bp
Credit Card Classic13.38%11.32%medalCredit Unions by 206 bp
Credit Card Platinum14.35%10.08%medalCredit Unions by 427 bp
Home Equity
Home Equity
Home Equity - LOC5.21%4.82%medalCredit Unions by 39 bp
Home Equity - 5 Yr5.48%4.78%medalCredit Unions by 69 bp
Home Equity - 10 Yr5.77%5.25%medalCredit Unions by 52 bp
Home Equity - 15 Yr6.02%5.57%medalCredit Unions by 45 bp
Mortgage
Mortgage
3/1 ARM4.38%medal4.64%Banks by 27 bp
5/1 ARM5.39%4.55%medalCredit Unions by 83 bp
7/1 ARM5.00%0%
15 Yr Fixed4.85%4.61%medalCredit Unions by 25 bp
20 Yr Fixed5.21%4.90%medalCredit Unions by 30 bp
30 Yr Fixed5.26%5.24%medalCredit Unions by 2 bp
Rv
Rv
New RV - 60 Mo6.37%5.27%medalCredit Unions by 110 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.48%8.84%medalCredit Unions by 63 bp
CD
CD
3 Mo CD - $10k0.13%0.31%medalCredit Unions by 18 bp
6 Mo CD - $10k0.21%0.48%medalCredit Unions by 27 bp
1 Yr CD - $10k0.33%0.74%medalCredit Unions by 41 bp
18 Mo CD - $10k0.36%0.85%medalCredit Unions by 50 bp
2 Yr CD - $10k0.41%0.96%medalCredit Unions by 54 bp
30 Mo CD - $10k0.35%1.07%medalCredit Unions by 71 bp
3 Yr CD - $10k0.47%1.12%medalCredit Unions by 65 bp
4 Yr CD - $10k0.50%1.22%medalCredit Unions by 72 bp
5 Yr CD - $10k0.57%1.39%medalCredit Unions by 82 bp
1 Mo CD - $100k0.09%0.24%medalCredit Unions by 15 bp
2 Mo CD - $100k0.05%0.48%medalCredit Unions by 42 bp
3 Mo CD - $100k0.14%0.34%medalCredit Unions by 20 bp
6 Mo CD - $100k0.22%0.51%medalCredit Unions by 29 bp
1 Yr CD - $100k0.34%0.78%medalCredit Unions by 43 bp
2 Yr CD - $100k0.43%1.00%medalCredit Unions by 57 bp
3 Yr CD - $100k0.48%1.16%medalCredit Unions by 68 bp
Checking
Checking
Interest Checking - $5k0.05%0.10%medalCredit Unions by 5 bp
Ira
Ira
Liquid IRA Account0.15%0.30%medalCredit Unions by 15 bp
Money Market
Money Market
Money Market - $2.5k0.09%0.21%medalCredit Unions by 12 bp
Money Market - $10k0.10%0.23%medalCredit Unions by 13 bp
Money Market - $25k0.12%0.28%medalCredit Unions by 16 bp
Money Market - $50k0.14%0.32%medalCredit Unions by 18 bp
Money Market - $100k0.17%0.37%medalCredit Unions by 20 bp
Money Market - $250k0.19%0.40%medalCredit Unions by 20 bp
Savings
Savings
Regular Savings - $1k0.07%0.11%medalCredit Unions by 4 bp

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