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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.131.310.010.301.360.0117
6 Mo CD - $10k0.202.000.010.452.270.0125
1 Yr CD - $10k0.361.710.010.721.920.0136
18 Mo CD - $10k0.432.010.010.852.000.0142
2 Yr CD - $10k0.522.120.010.992.070.0547
30 Mo CD - $10k0.512.220.011.092.170.0558
3 Yr CD - $10k0.692.250.011.232.330.0554
4 Yr CD - $10k0.802.470.011.452.530.0565
5 Yr CD - $10k1.032.630.011.743.050.0571
1 Mo CD - $100k0.081.170.010.241.150.0216
2 Mo CD - $100k0.081.170.010.301.160.0222
3 Mo CD - $100k0.121.400.010.341.160.0122
3 Mo CD - $250k   0.390.700.10 
6 Mo CD - $100k0.191.460.010.521.370.0333
6 Mo CD - $250k   0.541.000.15 
1 Yr CD - $100k0.341.710.010.821.760.0548
1 Yr CD - $250k   0.811.250.45 
2 Yr CD - $100k0.492.120.031.102.010.1061
2 Yr CD - $250k   1.141.400.90 
3 Yr CD - $100k0.642.100.031.342.280.2070
3 Yr CD - $250k   1.451.871.25 
Interest Checking - $5k0.071.260.010.123.010.015
Liquid IRA Account0.183.290.010.373.150.0119
Money Market - $2.5k0.091.300.010.222.800.0113
Money Market - $10k0.121.300.010.251.700.0113
Money Market - $25k0.161.400.010.301.310.0115
Money Market - $50k0.181.500.010.351.500.0117
Money Market - $100k0.221.500.010.401.500.0118
Money Market - $250k0.231.500.010.421.500.0119
Regular Savings - $1k0.081.400.010.151.510.017
New Car - 36 Mo4.0114.501.662.677.991.05-134
New Car - 48 Mo4.1011.251.892.817.991.45-129
New Car - 60 Mo4.2012.251.982.927.991.45-128
New Car - 72 Mo4.2213.251.983.298.751.49-93
Used Car - 36 Mo4.5214.501.942.947.991.24-158
Used Car - 48 Mo4.5813.751.943.057.991.49-153
Used Car - 60 Mo4.4412.251.963.167.991.49-129
Used Car - 72 Mo4.3713.251.973.548.241.49-83
New Boat - 60 Mo6.5514.501.995.1211.991.79-143
Rewards Credit Card13.5019.994.9910.6016.994.25-290
Credit Card Platinum12.2524.995.009.3814.994.90-286
Credit Card Classic12.9623.495.0011.3118.001.00-165
Home Equity - LOC5.459.063.244.478.001.99-98
Home Equity - 5 Yr5.1811.002.484.599.751.99-60
Home Equity - 10 Yr5.5611.002.995.068.502.75-49
Home Equity - 15 Yr5.869.243.255.418.502.90-45
15 Yr Fixed3.6417.2502.6253.6106.9002.750-3
20 Yr Fixed4.0027.5502.8753.9796.0003.000-2
30 Yr Fixed4.1547.0003.5004.1586.7503.4210
1 Yr ARM3.2176.5001.5003.1605.5001.000-6
3/1 ARM3.5626.5002.1903.3225.2501.000-24
5/1 ARM3.6997.2502.3753.5015.8651.000-20
7/1 ARM3.7876.0752.6253.7335.5001.000-5
New RV - 60 Mo6.6514.501.995.1411.991.79-152
Unsecured - 36 Mo9.9520.752.509.2218.003.45-73
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* Represents the difference in the average rate between banks and credit unions.