RateDex

Rates based upon a survey of 295,313 financial institution locations in 19,713 markets across the United States as of 12/10/2023. Source: Datatrac

        

Product Winner
(bp = basis points, Winner = medal)
Auto
Auto
New Auto - 24 Mo7.40%6.16%medalCredit Unions by 124 bp
New Auto - 36 Mo6.97%6.29%medalCredit Unions by 69 bp
New Auto - 48 Mo7.03%6.42%medalCredit Unions by 61 bp
New Auto - 60 Mo7.10%6.55%medalCredit Unions by 56 bp
New Auto - 72 Mo7.25%6.83%medalCredit Unions by 43 bp
New Auto - 84 Mo7.60%7.24%medalCredit Unions by 36 bp
Used Auto - 24 Mo7.53%6.43%medalCredit Unions by 109 bp
Used Auto - 36 Mo7.32%6.49%medalCredit Unions by 83 bp
Used Auto - 48 Mo7.33%6.62%medalCredit Unions by 71 bp
Used Auto - 60 Mo7.39%6.75%medalCredit Unions by 64 bp
Used Auto - 72 Mo7.41%7.04%medalCredit Unions by 38 bp
Used Auto - 84 Mo7.54%7.40%medalCredit Unions by 15 bp
Boat
Boat
New Boat-60 Mo8.04%7.92%medalCredit Unions by 12 bp
Used Boat-60 Mo8.88%8.45%medalCredit Unions by 42 bp
Credit Card
Credit Card
Rewards Credit Card18.64%14.15%medalCredit Unions by 449 bp
Credit Card Classic16.57%13.10%medalCredit Unions by 346 bp
Credit Card Platinum17.54%12.63%medalCredit Unions by 491 bp
Home Equity
Home Equity
Home Equity - LOC 80%8.97%8.44%medalCredit Unions by 53 bp
Home Equity - 5 Yr 80%7.97%7.23%medalCredit Unions by 74 bp
Home Equity - 10 Yr 80%8.16%7.61%medalCredit Unions by 55 bp
Home Equity - 15 Yr 80%8.32%7.90%medalCredit Unions by 42 bp
Mortgage
Mortgage
30 Yr Fixed7.38%7.30%medalCredit Unions by 8 bp
20 Yr Fixed4.89%medal6.29%Banks by 140 bp
15 Yr Fixed6.93%6.91%medalCredit Unions by 2 bp
7 Yr ARM7.15%6.97%medalCredit Unions by 19 bp
5 Yr ARM6.84%6.71%medalCredit Unions by 13 bp
3 Yr ARM6.87%6.68%medalCredit Unions by 19 bp
30 Yr Fixed-Jumbo0%7.16%
20 Yr Fixed-Jumbo0%6.38%
15 Yr Fixed-Jumbo0%6.72%
5 Yr ARM-Jumbo0%6.99%
Motorhome
Motorhome
New Motorhome-60 Mo8.11%7.91%medalCredit Unions by 20 bp
Motorhome
Motorhome
Used Motorhome-60 Mo8.19%7.96%medalCredit Unions by 23 bp
Unsecured
Unsecured
Unsecured - 36 Mo10.98%10.88%medalCredit Unions by 10 bp
CD
CD
3 Mo CD - $10k1.10%1.92%medalCredit Unions by 82 bp
6 Mo CD - $10k1.35%2.76%medalCredit Unions by 141 bp
9 Mo CD - $10k1.41%3.42%medalCredit Unions by 201 bp
1 Yr CD - $10k1.61%3.34%medalCredit Unions by 173 bp
18 Mo CD - $10k1.38%3.24%medalCredit Unions by 187 bp
2 Yr CD - $10k1.39%3.05%medalCredit Unions by 166 bp
30 Mo CD - $10k1.09%3.00%medalCredit Unions by 192 bp
3 Yr CD - $10k1.34%2.93%medalCredit Unions by 160 bp
4 Yr CD - $10k1.30%2.91%medalCredit Unions by 162 bp
5 Yr CD - $10k1.36%3.00%medalCredit Unions by 164 bp
3 Mo CD - $100k1.16%1.98%medalCredit Unions by 82 bp
6 Mo CD - $100k1.41%2.80%medalCredit Unions by 138 bp
9 Mo CD - $100k1.48%3.49%medalCredit Unions by 201 bp
1 Yr CD - $100k1.68%3.39%medalCredit Unions by 171 bp
18 Mo CD - $100k1.43%3.28%medalCredit Unions by 184 bp
2 Yr CD - $100k1.45%3.10%medalCredit Unions by 165 bp
30 Mo CD - $100k1.13%3.03%medalCredit Unions by 190 bp
3 Yr CD - $100k1.37%2.98%medalCredit Unions by 161 bp
4 Yr CD - $100k1.33%2.95%medalCredit Unions by 162 bp
5 Yr CD - $100k1.40%3.04%medalCredit Unions by 165 bp
Checking
Checking
Basic Checking 0.14%0.21%medalCredit Unions by 7 bp
High Rate Checking14.34%medal1.99%Banks by 1236 bp
Youth/Student Checking0%0.10%
IRA
IRA
IRA - Liquid - $10k0.40%0.67%medalCredit Unions by 27 bp
IRA - 1 Year - $10k1.48%3.32%medalCredit Unions by 183 bp
IRA - Liquid - $100k5.35%medal0.66%Banks by 469 bp
IRA - 1 Year - $100k1.60%3.38%medalCredit Unions by 178 bp
Money Market
Money Market
Money Market - $2.5k0.41%0.77%medalCredit Unions by 36 bp
Money Market - $10k0.48%0.87%medalCredit Unions by 39 bp
Money Market - $25k0.59%1.03%medalCredit Unions by 44 bp
Money Market - $50k0.67%1.17%medalCredit Unions by 51 bp
Money Market - $100k0.85%1.41%medalCredit Unions by 56 bp
Money Market - $250k0.94%1.56%medalCredit Unions by 62 bp
Money Market - $500k2.82%medal1.65%Banks by 117 bp
Money Market - $1 million2.86%medal1.72%Banks by 115 bp
High Rate Money Market - $2.5k0.04%1.46%medalCredit Unions by 142 bp
High Rate Money Market - $10k0.97%1.45%medalCredit Unions by 48 bp
High Rate Money Market - $25k1.18%1.66%medalCredit Unions by 48 bp
High Rate Money Market - $50k1.29%1.81%medalCredit Unions by 51 bp
High Rate Money Market - $100k1.64%2.09%medalCredit Unions by 45 bp
High Rate Money Market - $250k1.74%2.27%medalCredit Unions by 53 bp
High Rate Money Market - $500k2.90%3.42%medalCredit Unions by 52 bp
High Rate Money Market - $1 million2.90%3.76%medalCredit Unions by 86 bp
Savings
Savings
Regular Savings0.22%medal0.19%Banks by 3 bp
High Rate Savings4.50%medal1.91%Banks by 259 bp
Youth/Student Savings0%5.00%

Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2023 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.