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 194,686 financial institution locations in 19,504 markets across the United States as of 2/24/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.141.600.010.331.550.0119
6 Mo CD - $10k0.232.450.010.511.750.0129
1 Yr CD - $10k0.422.100.010.822.100.0140
18 Mo CD - $10k0.482.250.010.972.400.0149
2 Yr CD - $10k0.622.500.011.092.400.0547
30 Mo CD - $10k0.552.500.011.232.600.0567
3 Yr CD - $10k0.752.600.011.323.040.0557
4 Yr CD - $10k0.852.750.011.542.650.0569
5 Yr CD - $10k1.083.000.011.833.100.0576
1 Mo CD - $100k0.081.250.010.271.260.0218
2 Mo CD - $100k0.081.250.010.331.260.0225
3 Mo CD - $100k0.131.600.010.381.300.0125
6 Mo CD - $100k0.211.760.010.581.500.0337
1 Yr CD - $100k0.392.100.010.932.010.0554
2 Yr CD - $100k0.592.500.031.222.300.1063
3 Yr CD - $100k0.702.600.031.442.500.2074
Interest Checking - $5k0.071.360.010.123.010.015
Liquid IRA Account0.193.290.010.383.150.0120
Money Market - $2.5k0.091.500.010.242.800.0115
Money Market - $10k0.132.000.010.281.700.0115
Money Market - $25k0.172.000.010.331.400.0117
Money Market - $50k0.192.000.010.391.500.0119
Money Market - $100k0.232.000.010.441.500.0121
Money Market - $250k0.252.000.010.461.750.0121
Regular Savings - $1k0.081.600.010.161.550.018
New Car - 36 Mo4.1214.501.662.758.491.24-137
New Car - 48 Mo4.2111.251.942.908.491.45-131
New Car - 60 Mo4.3112.251.993.018.491.45-130
New Car - 72 Mo4.3413.252.243.378.751.49-96
Used Car - 36 Mo4.6214.501.943.008.491.24-162
Used Car - 48 Mo4.6813.751.943.138.491.49-156
Used Car - 60 Mo4.5612.251.993.238.491.49-133
Used Car - 72 Mo4.4613.252.243.618.741.49-84
New Boat - 60 Mo6.5714.501.995.1511.151.00-142
Rewards Credit Card13.6621.004.9910.7117.241.00-295
Credit Card Platinum12.4824.995.009.5115.151.00-297
Credit Card Classic13.1823.745.0011.4118.001.00-176
Home Equity - LOC5.599.313.254.648.001.00-95
Home Equity - 5 Yr5.3111.002.484.659.751.00-66
Home Equity - 10 Yr5.6911.002.265.128.501.00-57
Home Equity - 15 Yr5.999.243.255.488.501.00-51
15 Yr Fixed4.0327.2502.8754.0237.9001.000-1
20 Yr Fixed4.2897.5501.0004.3196.0001.0003
30 Yr Fixed4.4647.3903.5004.4976.7501.0003
1 Yr ARM3.6886.5001.5003.3095.5001.000-38
3/1 ARM3.6396.7501.0003.5245.1251.000-11
5/1 ARM3.9527.5002.3753.7476.1151.000-20
7/1 ARM4.0416.5002.6253.9945.5001.000-5
New RV - 60 Mo6.6714.501.995.1811.501.00-149
Unsecured - 36 Mo9.9520.752.509.2418.003.45-72
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* Represents the difference in the average rate between banks and credit unions.