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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.860.010.291.000.0512
6 Mo CD - $10k0.251.050.010.321.000.058
1 Yr CD - $10k0.471.550.010.561.360.129
18 Mo CD - $10k0.481.410.050.841.510.2535
2 Yr CD - $10k0.641.780.050.821.650.2018
30 Mo CD - $10k0.581.610.051.081.650.2550
3 Yr CD - $10k0.811.980.051.102.000.3029
4 Yr CD - $10k0.912.100.101.372.100.4046
5 Yr CD - $10k1.142.290.201.592.600.6545
1 Mo CD - $100k0.120.350.010.200.200.208
2 Mo CD - $100k0.110.300.010.200.200.209
3 Mo CD - $100k0.200.860.010.390.650.1519
6 Mo CD - $100k0.291.050.010.481.000.1019
6 Mo CD - $250k   0.800.800.80 
1 Yr CD - $100k0.571.550.010.751.360.1518
1 Yr CD - $250k   1.061.061.06 
2 Yr CD - $100k0.751.780.051.061.700.5031
2 Yr CD - $250k   1.361.361.36 
3 Yr CD - $100k0.901.980.051.352.000.5145
3 Yr CD - $250k   1.871.871.87 
Interest Checking - $5k0.070.500.010.110.650.013
Liquid IRA Account0.140.650.030.351.260.0420
Money Market - $2.5k0.090.300.010.120.500.034
Money Market - $10k0.110.300.010.140.550.033
Money Market - $25k0.140.720.010.170.600.044
Money Market - $50k0.170.720.010.210.650.044
Money Market - $100k0.210.800.010.260.700.055
Money Market - $250k0.240.950.010.290.800.055
Regular Savings - $1k0.090.500.010.131.260.014
New Car - 36 Mo4.308.992.302.683.751.89-162
New Car - 48 Mo4.408.992.302.773.751.89-163
New Car - 60 Mo4.518.992.452.843.751.90-167
New Car - 72 Mo4.376.992.553.144.241.90-123
Used Car - 36 Mo4.819.253.092.924.501.90-189
Used Car - 48 Mo4.769.250.892.983.991.90-178
Used Car - 60 Mo4.537.503.193.063.991.90-148
Used Car - 72 Mo4.736.903.343.395.291.90-134
New Boat - 60 Mo6.2010.602.905.669.251.99-53
Rewards Credit Card13.7518.156.7510.4012.997.92-335
Credit Card Platinum11.6316.158.999.3213.256.95-230
Credit Card Classic12.1016.909.9912.8315.908.9073
Home Equity - LOC5.408.373.754.916.504.00-48
Home Equity - 5 Yr5.507.783.505.267.003.99-24
Home Equity - 10 Yr5.917.784.255.607.004.50-32
Home Equity - 15 Yr6.117.784.255.867.254.50-25
15 Yr Fixed3.5543.7503.0003.4943.6252.875-6
20 Yr Fixed3.9274.2503.5003.9094.0003.375-2
30 Yr Fixed4.0804.3753.6254.1254.2503.5004
1 Yr ARM3.3163.2503.2503.4583.8752.50014
3/1 ARM3.4474.0002.5003.2894.1251.875-16
5/1 ARM3.5534.0002.6253.5384.2502.500-2
7/1 ARM3.6034.0002.7503.8824.6252.75028
New RV - 60 Mo6.3610.602.905.629.751.99-74
Unsecured - 36 Mo8.7714.343.9010.3514.905.90157
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* Represents the difference in the average rate between banks and credit unions.