RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 173,065 financial institution locations in 19,465 markets across the United States as of 12/4/2016.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.101.000.010.233.010.0113
6 Mo CD - $10k0.161.000.010.351.410.0118
1 Yr CD - $10k0.271.430.010.541.920.0127
18 Mo CD - $10k0.341.620.010.661.970.0131
2 Yr CD - $10k0.441.790.010.802.070.0535
30 Mo CD - $10k0.441.890.010.892.170.0545
3 Yr CD - $10k0.592.070.011.052.330.0546
4 Yr CD - $10k0.712.250.011.292.530.0558
5 Yr CD - $10k0.912.500.011.563.050.0565
1 Mo CD - $100k0.070.750.010.190.600.0212
2 Mo CD - $100k0.070.750.010.220.600.0515
3 Mo CD - $100k0.100.860.010.293.010.0119
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.151.010.010.401.000.0325
6 Mo CD - $250k   0.510.800.40 
1 Yr CD - $100k0.261.350.010.631.550.0537
1 Yr CD - $250k   0.611.060.45 
2 Yr CD - $100k0.421.530.030.891.750.0547
2 Yr CD - $250k   1.001.360.90 
3 Yr CD - $100k0.561.820.031.151.870.2559
3 Yr CD - $250k   1.411.871.30 
Interest Checking - $5k0.061.260.010.113.010.015
Liquid IRA Account0.163.290.010.343.150.0118
Money Market - $2.5k0.081.350.010.192.000.0111
Money Market - $10k0.101.350.010.221.310.0112
Money Market - $25k0.131.350.010.271.310.0114
Money Market - $50k0.151.350.010.311.310.0116
Money Market - $100k0.181.350.010.351.310.0117
Money Market - $250k0.191.350.010.371.310.0117
Regular Savings - $1k0.071.050.010.141.510.017
New Car - 36 Mo3.8013.501.492.4310.000.95-138
New Car - 48 Mo3.8813.501.492.587.991.45-131
New Car - 60 Mo3.9810.501.752.687.991.45-130
New Car - 72 Mo3.988.991.753.058.751.49-93
Used Car - 36 Mo4.3213.751.492.707.990.99-162
Used Car - 48 Mo4.3713.751.492.827.991.47-155
Used Car - 60 Mo4.2112.001.752.927.991.47-129
Used Car - 72 Mo4.129.751.753.307.991.49-83
New Boat - 60 Mo6.5813.501.995.0411.991.50-154
Rewards Credit Card12.6424.994.9910.1116.903.50-254
Credit Card Platinum11.3124.995.509.0414.995.24-226
Credit Card Classic12.2024.997.4911.1218.201.00-108
Home Equity - LOC4.888.342.754.0010.001.99-87
Home Equity - 5 Yr4.9011.002.484.459.751.75-44
Home Equity - 10 Yr5.3511.002.884.969.002.75-39
Home Equity - 15 Yr5.659.092.885.309.252.88-35
15 Yr Fixed3.5237.2502.2503.4586.5002.500-7
20 Yr Fixed3.9607.5502.5003.9205.9992.750-4
30 Yr Fixed4.1347.2502.7504.1106.2503.250-2
1 Yr ARM3.1146.3501.5002.95410.0001.000-16
3/1 ARM3.4186.2502.1253.1565.5001.000-26
5/1 ARM3.5266.2502.2503.3325.5001.000-19
7/1 ARM3.6785.7502.5003.6035.5001.000-7
New RV - 60 Mo6.7014.501.995.0611.991.50-163
Unsecured - 36 Mo9.9120.752.509.2918.002.99-62
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* Represents the difference in the average rate between banks and credit unions.