Credit Union and Bank Rates 2019 Q1

Comparison of Average Savings, Deposits and Loan Rates at Credit Unions (CUs) and Banks
For March 29, 2019

Product	All CUs (National Average Rate)	All Banks (National Average Rate)
Product 5 Year CD-10K	All CUs (National Average Rate) 2.42	All Banks (National Average Rate) 1.92
Product 4 Year CD-10K	All CUs (National Average Rate) 2.16	All Banks (National Average Rate) 1.67
Product 3 Year CD-10K	All CUs (National Average Rate) 1.96	All Banks (National Average Rate) 1.56
Product 2 Year CD-10K	All CUs (National Average Rate) 1.74	All Banks (National Average Rate) 1.39
Product 1 Year CD-10K	All CUs (National Average Rate) 1.40	All Banks (National Average Rate) 1.10
Product 6 Month CD-10K	All CUs (National Average Rate) 0.92	All Banks (National Average Rate) 0.67
Product 3 Month CD-10K	All CUs (National Average Rate) 0.56	All Banks (National Average Rate) 0.42
Product Money market account-2.5K	All CUs (National Average Rate) 0.36	All Banks (National Average Rate) 0.25
Product Interest checking account-5K	All CUs (National Average Rate) 0.12	All Banks (National Average Rate) 0.14
Product Regular savings account-1K	All CUs (National Average Rate) 0.17	All Banks (National Average Rate) 0.19
Product Credit card, Classic	All CUs (National Average Rate) 11.82	All Banks (National Average Rate) 13.65
Product 30 Year fixed-rate mortgage	All CUs (National Average Rate) 4.50	All Banks (National Average Rate) 4.56
Product 15 Year fixed-rate mortgage	All CUs (National Average Rate) 3.99	All Banks (National Average Rate) 4.12
Product 5/1 Year adjustable rate mortgage	All CUs (National Average Rate) 3.92	All Banks (National Average Rate) 4.25
Product 3/1 Year adjustable rate mortgage	All CUs (National Average Rate) 3.95	All Banks (National Average Rate) 4.18
Product 1 Year adjustable rate mortgage	All CUs (National Average Rate) 3.75	All Banks (National Average Rate) 4.14
Product Unsecured fixed rate loan, 36 months	All CUs (National Average Rate) 9.47	All Banks (National Average Rate) 10.27
Product Home equity loan, 5 year, 80%	All CUs (National Average Rate) 4.94	All Banks (National Average Rate) 5.40
Product Home equity loan, LOC, 80%	All CUs (National Average Rate) 5.54	All Banks (National Average Rate) 5.82
Product Used car loan, 48 months	All CUs (National Average Rate) 3.75	All Banks (National Average Rate) 5.50
Product Used car loan, 36 months	All CUs (National Average Rate) 3.62	All Banks (National Average Rate) 5.45
Product New car loan, 60 months	All CUs (National Average Rate) 3.70	All Banks (National Average Rate) 5.15
Product New car loan, 48 months	All CUs (National Average Rate) 3.57	All Banks (National Average Rate) 5.03

Notes:

1. Data extracted by NCUA from S&P Global Market Intelligence databases ( This is an external link to a website belonging to another federal agency, private organization, or commercial entity. https://www.spglobal.com/marketintelligence (Opens new window) ) on April 8, 2019. The data represent interest rates reported by active banks and credit unions for the last Friday of the quarter (March 29, 2019).

Credit Union and Bank Rates 2019 Q1

Footnotes