RateDex

Rates based upon a survey of 265,358 financial institution locations in 19,600 markets across the United States as of 12/1/2021. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo4.12%2.56%medalCredit Unions by 156 bp
New Car - 48 Mo4.16%2.69%medalCredit Unions by 148 bp
New Car - 60 Mo4.24%2.79%medalCredit Unions by 144 bp
New Car - 72 Mo4.29%3.11%medalCredit Unions by 118 bp
Used Car - 36 Mo4.53%2.76%medalCredit Unions by 177 bp
Used Car - 48 Mo4.54%2.88%medalCredit Unions by 166 bp
Used Car - 60 Mo4.42%2.98%medalCredit Unions by 144 bp
Used Car - 72 Mo4.37%3.28%medalCredit Unions by 109 bp
Boat
Boat
New Boat - 60 Mo6.14%4.96%medalCredit Unions by 117 bp
Credit Card
Credit Card
Rewards Credit Card13.55%10.42%medalCredit Unions by 313 bp
Credit Card Classic12.26%10.98%medalCredit Unions by 128 bp
Credit Card Platinum12.77%9.26%medalCredit Unions by 352 bp
Home Equity
Home Equity
Home Equity - LOC4.19%3.76%medalCredit Unions by 43 bp
Home Equity - 5 Yr4.68%4.20%medalCredit Unions by 48 bp
Home Equity - 10 Yr4.91%4.60%medalCredit Unions by 31 bp
Home Equity - 15 Yr5.04%4.89%medalCredit Unions by 15 bp
Mortgage
Mortgage
1 Yr ARM3.20%2.97%medalCredit Unions by 23 bp
3/1 ARM3.47%2.95%medalCredit Unions by 53 bp
5/1 ARM3.27%2.93%medalCredit Unions by 33 bp
7/1 ARM3.25%3.04%medalCredit Unions by 21 bp
15 Yr Fixed2.76%2.74%medalCredit Unions by 2 bp
20 Yr Fixed3.59%3.51%medalCredit Unions by 8 bp
30 Yr Fixed3.26%3.25%medalCredit Unions by 2 bp
Rv
Rv
New RV - 60 Mo6.23%5.23%medalCredit Unions by 100 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.24%8.79%medalCredit Unions by 45 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 14 bp
1 Yr CD - $10k0.16%0.35%medalCredit Unions by 19 bp
18 Mo CD - $10k0.18%0.40%medalCredit Unions by 21 bp
2 Yr CD - $10k0.22%0.46%medalCredit Unions by 24 bp
30 Mo CD - $10k0.29%0.50%medalCredit Unions by 21 bp
3 Yr CD - $10k0.27%0.57%medalCredit Unions by 30 bp
4 Yr CD - $10k0.30%0.66%medalCredit Unions by 35 bp
5 Yr CD - $10k0.36%0.76%medalCredit Unions by 40 bp
1 Mo CD - $100k0.05%0.18%medalCredit Unions by 12 bp
2 Mo CD - $100k0.07%0.40%medalCredit Unions by 33 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 - $5k0.04%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%0.14%medalCredit Unions by 8 bp
Money Market - $10k0.07%0.15%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 - $100k0.11%0.26%medalCredit Unions by 14 bp
Money Market - $250k0.13%0.27%medalCredit Unions by 15 bp
Savings
Savings
Regular Savings - $1k0.05%0.09%medalCredit Unions by 4 bp

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