RateDex

Rates based upon a survey of 280,501 financial institution locations in 19,663 markets across the United States as of 11/29/2022. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo5.25%4.43%medalCredit Unions by 83 bp
New Car - 48 Mo5.29%4.56%medalCredit Unions by 73 bp
New Car - 60 Mo5.38%4.68%medalCredit Unions by 70 bp
New Car - 72 Mo5.54%4.98%medalCredit Unions by 55 bp
Used Car - 36 Mo5.64%4.61%medalCredit Unions by 102 bp
Used Car - 48 Mo5.65%4.75%medalCredit Unions by 91 bp
Used Car - 60 Mo5.68%4.87%medalCredit Unions by 81 bp
Used Car - 72 Mo5.60%5.17%medalCredit Unions by 43 bp
Boat
Boat
New Boat - 60 Mo6.70%6.23%medalCredit Unions by 48 bp
Credit Card
Credit Card
Rewards Credit Card16.45%12.41%medalCredit Unions by 403 bp
Credit Card Classic14.46%11.90%medalCredit Unions by 256 bp
Credit Card Platinum15.82%11.01%medalCredit Unions by 481 bp
Home Equity
Home Equity
Home Equity - LOC6.86%6.48%medalCredit Unions by 38 bp
Home Equity - 5 Yr6.54%5.90%medalCredit Unions by 64 bp
Home Equity - 10 Yr6.92%6.28%medalCredit Unions by 64 bp
Home Equity - 15 Yr7.22%6.58%medalCredit Unions by 64 bp
Mortgage
Mortgage
3/1 ARM0%5.74%
5/1 ARM6.84%5.61%medalCredit Unions by 123 bp
7/1 ARM6.65%6.24%medalCredit Unions by 41 bp
15 Yr Fixed6.06%5.89%medalCredit Unions by 17 bp
20 Yr Fixed6.31%6.00%medalCredit Unions by 31 bp
30 Yr Fixed6.43%6.39%medalCredit Unions by 5 bp
Rv
Rv
New RV - 60 Mo6.82%6.23%medalCredit Unions by 59 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.87%9.59%medalCredit Unions by 28 bp
CD
CD
3 Mo CD - $10k0.32%0.71%medalCredit Unions by 39 bp
6 Mo CD - $10k0.51%1.04%medalCredit Unions by 53 bp
1 Yr CD - $10k0.78%1.57%medalCredit Unions by 79 bp
18 Mo CD - $10k0.80%1.81%medalCredit Unions by 102 bp
2 Yr CD - $10k0.86%1.84%medalCredit Unions by 98 bp
30 Mo CD - $10k0.71%1.99%medalCredit Unions by 128 bp
3 Yr CD - $10k0.88%1.97%medalCredit Unions by 109 bp
4 Yr CD - $10k0.89%2.06%medalCredit Unions by 117 bp
5 Yr CD - $10k0.96%2.25%medalCredit Unions by 128 bp
1 Mo CD - $100k0.20%0.45%medalCredit Unions by 26 bp
2 Mo CD - $100k0.15%1.05%medalCredit Unions by 89 bp
3 Mo CD - $100k0.43%0.74%medalCredit Unions by 31 bp
6 Mo CD - $100k0.53%1.08%medalCredit Unions by 55 bp
1 Yr CD - $100k0.80%1.63%medalCredit Unions by 82 bp
2 Yr CD - $100k0.88%1.90%medalCredit Unions by 101 bp
3 Yr CD - $100k0.90%2.02%medalCredit Unions by 113 bp
Checking
Checking
Interest Checking - $5k0.08%0.14%medalCredit Unions by 6 bp
Ira
Ira
Liquid IRA Account0.27%0.42%medalCredit Unions by 15 bp
Money Market
Money Market
Money Market - $2.5k0.18%0.38%medalCredit Unions by 20 bp
Money Market - $10k0.23%0.44%medalCredit Unions by 21 bp
Money Market - $25k0.28%0.51%medalCredit Unions by 23 bp
Money Market - $50k0.32%0.58%medalCredit Unions by 26 bp
Money Market - $100k0.39%0.68%medalCredit Unions by 29 bp
Money Market - $250k0.43%0.73%medalCredit Unions by 30 bp
Savings
Savings
Regular Savings - $1k0.13%0.14%medalCredit Unions by 1 bp

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