RateDex

Presented by the National Association of Federally-Insured Credit Unions (NAFCU) in cooperation with S&P Global Market Intelligence and DatatracRates based upon a survey of 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.111.000.010.253.010.0114
6 Mo CD - $10k0.171.100.010.371.510.0120
1 Yr CD - $10k0.301.510.010.591.920.0129
18 Mo CD - $10k0.371.630.010.711.970.0134
2 Yr CD - $10k0.461.790.010.852.300.0539
30 Mo CD - $10k0.452.000.000.942.170.0549
3 Yr CD - $10k0.622.270.011.102.330.0548
4 Yr CD - $10k0.732.500.011.342.530.0561
5 Yr CD - $10k0.943.000.011.623.050.0567
1 Mo CD - $100k0.070.750.010.200.600.0213
2 Mo CD - $100k0.071.100.010.230.600.0516
3 Mo CD - $100k0.110.860.010.313.010.0120
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.161.170.010.431.210.0328
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.281.510.010.681.550.0539
1 Yr CD - $250k   0.611.060.45 
2 Yr CD - $100k0.431.750.030.951.750.0552
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.572.250.031.212.000.2564
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.071.260.010.113.010.014
Liquid IRA Account0.163.290.010.353.150.0119
Money Market - $2.5k0.081.100.010.202.800.0112
Money Market - $10k0.111.260.010.231.700.0112
Money Market - $25k0.141.260.010.281.310.0114
Money Market - $50k0.161.260.010.321.310.0116
Money Market - $100k0.191.290.010.361.310.0117
Money Market - $250k0.201.290.010.381.310.0117
Regular Savings - $1k0.071.050.010.141.510.017
New Car - 36 Mo3.8913.501.652.507.990.95-139
New Car - 48 Mo3.9710.501.752.657.991.45-132
New Car - 60 Mo4.0810.500.992.757.991.45-133
New Car - 72 Mo4.099.001.993.128.751.49-97
Used Car - 36 Mo4.4013.751.652.777.991.24-163
Used Car - 48 Mo4.4513.751.752.897.991.47-156
Used Car - 60 Mo4.3112.001.752.997.991.47-132
Used Car - 72 Mo4.209.752.243.347.991.49-86
New Boat - 60 Mo6.5613.502.655.0611.991.50-150
Rewards Credit Card13.3624.994.9910.2816.903.75-308
Credit Card Platinum11.7624.996.009.2014.995.24-255
Credit Card Classic12.4424.997.6511.2018.451.00-124
Home Equity - LOC5.158.912.754.158.001.99-100
Home Equity - 5 Yr5.1111.002.484.529.751.75-59
Home Equity - 10 Yr5.5211.002.885.019.002.75-51
Home Equity - 15 Yr5.829.742.885.369.252.90-46
15 Yr Fixed3.7237.2502.6253.6967.9002.750-3
20 Yr Fixed4.1717.5503.0004.1675.9993.0000
30 Yr Fixed4.3517.2503.3754.3556.2503.3750
1 Yr ARM3.1756.5001.5003.0985.5001.000-8
3/1 ARM3.4996.5002.2403.3305.5001.000-17
5/1 ARM3.6027.0002.3903.4795.5001.000-12
7/1 ARM3.7456.0752.6253.7195.5001.000-3
New RV - 60 Mo6.6714.502.655.0811.991.50-159
Unsecured - 36 Mo9.9920.752.509.2418.002.99-75
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* Represents the difference in the average rate between banks and credit unions.