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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.860.010.271.000.0512
6 Mo CD - $10k0.221.050.010.270.700.055
1 Yr CD - $10k0.431.500.010.501.360.107
18 Mo CD - $10k0.461.500.050.731.510.1727
2 Yr CD - $10k0.611.650.050.771.550.2016
30 Mo CD - $10k0.541.400.050.991.560.2545
3 Yr CD - $10k0.761.850.051.051.750.3030
4 Yr CD - $10k0.872.000.101.302.100.5943
5 Yr CD - $10k1.072.200.151.542.500.7546
1 Mo CD - $100k0.110.300.010.200.200.209
2 Mo CD - $100k0.100.300.010.200.200.2010
3 Mo CD - $100k0.180.860.010.350.550.1517
6 Mo CD - $100k0.261.050.010.390.800.1013
6 Mo CD - $250k   0.800.800.80 
1 Yr CD - $100k0.521.500.010.681.360.1516
1 Yr CD - $250k   1.061.061.06 
2 Yr CD - $100k0.691.650.051.011.600.5032
2 Yr CD - $250k   1.361.361.36 
3 Yr CD - $100k0.841.850.051.351.870.7551
3 Yr CD - $250k   1.871.871.87 
Interest Checking - $5k0.070.500.010.110.650.014
Liquid IRA Account0.130.650.010.341.250.0421
Money Market - $2.5k0.080.300.010.110.400.033
Money Market - $10k0.100.450.010.130.450.033
Money Market - $25k0.130.720.010.170.500.044
Money Market - $50k0.150.720.010.200.600.044
Money Market - $100k0.210.850.010.260.600.055
Money Market - $250k0.230.950.010.280.800.055
Regular Savings - $1k0.080.500.010.121.250.014
New Car - 36 Mo4.258.992.302.593.751.89-165
New Car - 48 Mo4.338.992.302.703.751.89-163
New Car - 60 Mo4.508.992.452.783.751.90-172
New Car - 72 Mo4.346.992.553.084.241.90-126
Used Car - 36 Mo4.719.252.842.834.501.90-188
Used Car - 48 Mo4.759.252.842.903.991.90-186
Used Car - 60 Mo4.407.502.842.983.991.90-143
Used Car - 72 Mo4.696.903.343.345.291.90-135
New Boat - 60 Mo6.2110.592.905.529.251.99-69
Rewards Credit Card13.4917.906.7510.1912.747.92-330
Credit Card Platinum11.3215.908.749.3213.006.70-200
Credit Card Classic11.5915.009.9912.6715.658.65108
Home Equity - LOC5.218.133.754.836.253.75-38
Home Equity - 5 Yr5.547.783.505.306.844.00-25
Home Equity - 10 Yr6.017.904.255.636.864.50-39
Home Equity - 15 Yr6.188.364.255.907.254.50-28
15 Yr Fixed3.5903.8753.0003.6083.7503.0002
20 Yr Fixed4.0394.2503.5004.0884.1253.4905
30 Yr Fixed4.1474.3753.6254.2854.6253.62514
1 Yr ARM3.3163.2503.2503.2153.6672.500-10
3/1 ARM3.4604.0002.6253.1304.0001.875-33
5/1 ARM3.4413.8752.6253.4354.2502.625-1
7/1 ARM3.5604.0002.8753.8074.5002.87525
New RV - 60 Mo6.3810.592.905.579.751.99-81
Unsecured - 36 Mo8.7414.963.9010.1614.905.90142
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* Represents the difference in the average rate between banks and credit unions.