RateDex

Rates based upon a survey of 258,268 financial institution locations in 19,590 markets across the United States as of 6/23/2021. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Car - 36 Mo4.19%2.62%medalCredit Unions by 158 bp
New Car - 48 Mo4.25%2.74%medalCredit Unions by 150 bp
New Car - 60 Mo4.33%2.84%medalCredit Unions by 149 bp
New Car - 72 Mo4.42%3.17%medalCredit Unions by 126 bp
Used Car - 36 Mo4.59%2.82%medalCredit Unions by 178 bp
Used Car - 48 Mo4.61%2.93%medalCredit Unions by 169 bp
Used Car - 60 Mo4.50%3.03%medalCredit Unions by 147 bp
Used Car - 72 Mo4.54%3.34%medalCredit Unions by 120 bp
Boat
Boat
New Boat - 60 Mo6.23%5.07%medalCredit Unions by 116 bp
Credit Card
Credit Card
Rewards Credit Card13.47%10.34%medalCredit Unions by 313 bp
Credit Card Classic12.19%10.86%medalCredit Unions by 133 bp
Credit Card Platinum13.08%9.15%medalCredit Unions by 393 bp
Home Equity
Home Equity
Home Equity - LOC4.32%3.93%medalCredit Unions by 39 bp
Home Equity - 5 Yr3.78%medal4.43%Banks by 65 bp
Home Equity - 10 Yr4.36%medal4.70%Banks by 34 bp
Home Equity - 15 Yr4.75%medal5.06%Banks by 30 bp
Mortgage
Mortgage
1 Yr ARM3.13%3.00%medalCredit Unions by 12 bp
3/1 ARM3.31%3.03%medalCredit Unions by 28 bp
5/1 ARM3.27%3.00%medalCredit Unions by 27 bp
7/1 ARM3.26%3.13%medalCredit Unions by 13 bp
15 Yr Fixed2.75%2.74%
20 Yr Fixed3.61%3.55%medalCredit Unions by 6 bp
30 Yr Fixed3.23%3.24%
Rv
Rv
New RV - 60 Mo6.37%5.60%medalCredit Unions by 77 bp
Unsecured
Unsecured
Unsecured - 36 Mo9.45%8.88%medalCredit Unions by 57 bp
CD
CD
3 Mo CD - $10k0.08%0.17%medalCredit Unions by 9 bp
6 Mo CD - $10k0.12%0.25%medalCredit Unions by 13 bp
1 Yr CD - $10k0.17%0.36%medalCredit Unions by 18 bp
18 Mo CD - $10k0.20%0.40%medalCredit Unions by 21 bp
2 Yr CD - $10k0.23%0.47%medalCredit Unions by 24 bp
30 Mo CD - $10k0.29%0.51%medalCredit Unions by 21 bp
3 Yr CD - $10k0.29%0.57%medalCredit Unions by 29 bp
4 Yr CD - $10k0.32%0.66%medalCredit Unions by 34 bp
5 Yr CD - $10k0.38%0.76%medalCredit Unions by 38 bp
1 Mo CD - $100k0.06%0.19%medalCredit Unions by 13 bp
2 Mo CD - $100k0.05%0.27%medalCredit Unions by 22 bp
3 Mo CD - $100k0.08%0.19%medalCredit Unions by 11 bp
6 Mo CD - $100k0.12%0.27%medalCredit Unions by 15 bp
1 Yr CD - $100k0.18%0.38%medalCredit Unions by 20 bp
2 Yr CD - $100k0.24%0.50%medalCredit Unions by 25 bp
3 Yr CD - $100k0.30%0.60%medalCredit Unions by 30 bp
Checking
Checking
Interest Checking - $5k0.03%0.41%medalCredit Unions by 38 bp
Ira
Ira
Liquid IRA Account0.12%0.26%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 - $25k0.09%0.19%medalCredit Unions by 11 bp
Money Market - $50k0.10%0.22%medalCredit Unions by 12 bp
Money Market - $100k0.13%0.26%medalCredit Unions by 14 bp
Money Market - $250k0.14%0.28%medalCredit Unions by 14 bp
Savings
Savings
Regular Savings - $1k0.05%0.18%medalCredit Unions by 13 bp

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