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 176,908 financial institution locations in 19,476 markets across the United States as of 2/27/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.111.000.010.243.010.0114
6 Mo CD - $10k0.171.100.010.361.510.0120
1 Yr CD - $10k0.291.510.010.571.920.0128
18 Mo CD - $10k0.361.620.010.691.970.0134
2 Yr CD - $10k0.451.790.010.832.070.0538
30 Mo CD - $10k0.442.000.000.922.170.0548
3 Yr CD - $10k0.612.270.011.082.330.0547
4 Yr CD - $10k0.722.500.011.322.530.0560
5 Yr CD - $10k0.932.500.011.603.050.0567
1 Mo CD - $100k0.070.750.010.200.600.0213
2 Mo CD - $100k0.070.750.010.230.600.0515
3 Mo CD - $100k0.100.860.010.303.010.0119
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.161.170.010.431.210.0327
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.281.500.010.661.760.0538
1 Yr CD - $250k   0.611.060.45 
2 Yr CD - $100k0.431.700.030.941.750.0551
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.572.250.031.192.200.2561
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.061.260.010.113.010.015
Liquid IRA Account0.163.290.010.353.150.0119
Money Market - $2.5k0.081.050.010.202.800.0112
Money Market - $10k0.111.260.010.231.700.0112
Money Market - $25k0.141.260.010.271.310.0114
Money Market - $50k0.161.260.010.321.310.0116
Money Market - $100k0.191.500.010.361.310.0117
Money Market - $250k0.201.500.010.371.310.0117
Regular Savings - $1k0.071.050.010.141.510.017
New Car - 36 Mo3.8813.501.652.497.990.95-140
New Car - 48 Mo3.9713.501.752.637.991.45-134
New Car - 60 Mo4.0610.500.992.737.991.45-133
New Car - 72 Mo4.048.991.853.118.751.49-93
Used Car - 36 Mo4.3913.751.652.767.990.99-163
Used Car - 48 Mo4.4413.751.752.877.991.47-157
Used Car - 60 Mo4.3012.001.752.977.991.47-133
Used Car - 72 Mo4.139.751.853.337.991.49-81
New Boat - 60 Mo6.5613.502.655.0611.991.50-150
Rewards Credit Card13.1724.994.9910.2316.903.75-294
Credit Card Platinum11.5224.995.759.1514.995.24-237
Credit Card Classic12.3624.997.4911.1718.451.00-120
Home Equity - LOC5.028.512.754.118.001.99-91
Home Equity - 5 Yr5.0311.002.484.529.751.75-51
Home Equity - 10 Yr5.4811.002.885.009.002.75-48
Home Equity - 15 Yr5.799.742.885.359.252.88-44
15 Yr Fixed3.6797.2502.6253.6436.5002.625-4
20 Yr Fixed4.1337.5502.8504.1195.9992.750-1
30 Yr Fixed4.3147.2503.3754.3126.2503.3750
1 Yr ARM3.1596.2501.5003.0986.0001.000-6
3/1 ARM3.4826.2502.2403.3225.5001.000-16
5/1 ARM3.5817.2502.3753.4575.5001.000-12
7/1 ARM3.7186.2002.5003.7055.5001.000-1
New RV - 60 Mo6.6714.502.655.0811.991.50-159
Unsecured - 36 Mo9.9620.752.509.2318.002.99-74
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* Represents the difference in the average rate between banks and credit unions.