RateDex

Rates based upon a survey of 309,494 financial institution locations in 19,713 markets across the United States as of 11/12/2024. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Auto - 36 Mo7.40%5.87%medalCredit Unions by 154 bp
New Auto - 48 Mo7.44%5.99%medalCredit Unions by 145 bp
New Auto - 60 Mo7.54%6.10%medalCredit Unions by 143 bp
New Auto - 72 Mo7.65%6.37%medalCredit Unions by 128 bp
Used Auto - 36 Mo7.71%6.09%medalCredit Unions by 162 bp
Used Auto - 48 Mo7.76%6.21%medalCredit Unions by 154 bp
Used Auto - 60 Mo7.75%6.33%medalCredit Unions by 142 bp
Used Auto - 72 Mo7.85%6.60%medalCredit Unions by 125 bp
Boat
Boat
New Boat-60 Mo8.46%7.81%medalCredit Unions by 66 bp
Credit Card
Credit Card
Rewards Credit Card18.46%14.20%medalCredit Unions by 426 bp
Credit Card Classic16.66%13.26%medalCredit Unions by 340 bp
Credit Card Platinum17.50%12.80%medalCredit Unions by 470 bp
Home Equity
Home Equity
Home Equity - LOC 80%8.76%8.11%medalCredit Unions by 65 bp
Home Equity - 5 Yr 80%8.05%7.06%medalCredit Unions by 99 bp
Home Equity - 10 Yr 80%8.15%7.43%medalCredit Unions by 72 bp
Home Equity - 15 Yr 80%8.26%7.72%medalCredit Unions by 54 bp
Mortgage
Mortgage
30 Yr Fixed6.83%6.75%medalCredit Unions by 8 bp
20 Yr Fixed4.78%medal6.42%Banks by 164 bp
15 Yr Fixed6.35%6.29%medalCredit Unions by 7 bp
7 Yr ARM6.83%6.47%medalCredit Unions by 36 bp
5 Yr ARM6.72%6.33%medalCredit Unions by 38 bp
Motorhome
Motorhome
New Motorhome-60 Mo8.48%7.80%medalCredit Unions by 68 bp
Unsecured
Unsecured
Unsecured - 36 Mo11.50%10.91%medalCredit Unions by 58 bp
CD
CD
3 Mo CD - $10k1.31%2.11%medalCredit Unions by 81 bp
6 Mo CD - $10k1.66%2.96%medalCredit Unions by 129 bp
1 Yr CD - $10k1.81%3.23%medalCredit Unions by 142 bp
18 Mo CD - $10k1.51%3.10%medalCredit Unions by 159 bp
2 Yr CD - $10k1.51%2.95%medalCredit Unions by 144 bp
30 Mo CD - $10k1.16%2.94%medalCredit Unions by 178 bp
3 Yr CD - $10k1.39%2.85%medalCredit Unions by 146 bp
4 Yr CD - $10k1.34%2.83%medalCredit Unions by 149 bp
5 Yr CD - $10k1.41%2.90%medalCredit Unions by 149 bp
3 Mo CD - $100k1.36%2.16%medalCredit Unions by 80 bp
6 Mo CD - $100k1.71%2.99%medalCredit Unions by 128 bp
1 Yr CD - $100k1.88%3.28%medalCredit Unions by 140 bp
2 Yr CD - $100k1.57%3.00%medalCredit Unions by 143 bp
3 Yr CD - $100k1.43%2.90%medalCredit Unions by 147 bp
Checking
Checking
Basic Checking 0.14%0.21%medalCredit Unions by 7 bp
IRA
IRA
IRA - Liquid - $10k0.44%0.67%medalCredit Unions by 24 bp
Money Market
Money Market
Money Market - $2.5k0.41%0.78%medalCredit Unions by 37 bp
Money Market - $10k0.48%0.88%medalCredit Unions by 40 bp
Money Market - $25k0.59%1.04%medalCredit Unions by 45 bp
Money Market - $50k0.69%1.19%medalCredit Unions by 51 bp
Money Market - $100k0.86%1.44%medalCredit Unions by 58 bp
Money Market - $250k0.96%1.59%medalCredit Unions by 63 bp
Savings
Savings
Regular Savings0.21%medal0.19%Banks by 2 bp

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