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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.860.010.281.000.0512
6 Mo CD - $10k0.231.050.010.290.750.056
1 Yr CD - $10k0.441.500.010.531.360.129
18 Mo CD - $10k0.491.410.050.791.510.2530
2 Yr CD - $10k0.631.750.050.801.550.2018
30 Mo CD - $10k0.561.610.051.061.600.2549
3 Yr CD - $10k0.781.900.051.081.750.3031
4 Yr CD - $10k0.882.050.101.362.100.4047
5 Yr CD - $10k1.092.250.151.582.550.6549
1 Mo CD - $100k0.110.350.010.200.200.209
2 Mo CD - $100k0.110.300.010.200.200.209
3 Mo CD - $100k0.190.860.010.380.550.1518
6 Mo CD - $100k0.281.050.010.430.800.1016
6 Mo CD - $250k   0.800.800.80 
1 Yr CD - $100k0.531.500.010.711.360.1518
1 Yr CD - $250k   1.061.061.06 
2 Yr CD - $100k0.721.750.051.041.600.5032
2 Yr CD - $250k   1.361.361.36 
3 Yr CD - $100k0.861.900.051.371.870.7551
3 Yr CD - $250k   1.871.871.87 
Interest Checking - $5k0.070.500.010.110.650.013
Liquid IRA Account0.140.650.030.331.250.0419
Money Market - $2.5k0.080.300.010.120.400.033
Money Market - $10k0.100.450.010.140.450.033
Money Market - $25k0.140.720.010.170.500.043
Money Market - $50k0.170.720.010.200.600.043
Money Market - $100k0.220.850.010.260.600.054
Money Market - $250k0.240.950.010.280.800.054
Regular Savings - $1k0.090.500.010.121.250.014
New Car - 36 Mo4.318.992.302.623.751.89-168
New Car - 48 Mo4.418.992.302.723.751.89-169
New Car - 60 Mo4.528.992.452.793.751.90-173
New Car - 72 Mo4.406.992.553.114.241.90-129
Used Car - 36 Mo4.819.253.092.824.501.90-199
Used Car - 48 Mo4.849.253.092.903.991.90-195
Used Car - 60 Mo4.557.503.192.983.991.90-157
Used Car - 72 Mo4.686.903.343.304.491.90-138
New Boat - 60 Mo6.2010.592.905.639.251.99-56
Rewards Credit Card13.6818.156.7510.2912.997.92-339
Credit Card Platinum11.5516.158.999.2513.256.70-230
Credit Card Classic12.0016.909.9912.7915.658.6579
Home Equity - LOC5.368.123.754.956.504.00-41
Home Equity - 5 Yr5.457.783.505.236.913.99-22
Home Equity - 10 Yr5.907.784.255.576.794.50-32
Home Equity - 15 Yr6.047.784.255.877.254.50-17
15 Yr Fixed3.5843.8753.0003.5784.1253.000-1
20 Yr Fixed4.0184.2503.6254.0744.1253.4906
30 Yr Fixed4.1434.3753.6254.2734.7503.62513
1 Yr ARM3.3163.2503.2503.4583.8752.50014
3/1 ARM3.5264.0002.5003.2834.1251.875-24
5/1 ARM3.4994.0002.6253.5144.3752.6252
7/1 ARM3.6044.0002.7503.9504.6252.87535
New RV - 60 Mo6.3610.592.905.649.751.99-72
Unsecured - 36 Mo8.7314.343.9010.2714.905.90154
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* Represents the difference in the average rate between banks and credit unions.