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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.130.750.010.393.010.0526
6 Mo CD - $10k0.220.900.010.440.950.0122
1 Yr CD - $10k0.421.510.050.701.450.0428
18 Mo CD - $10k0.451.450.050.771.810.2033
2 Yr CD - $10k0.581.700.050.911.510.0534
30 Mo CD - $10k0.591.700.071.031.360.4544
3 Yr CD - $10k0.761.610.101.151.700.0539
4 Yr CD - $10k0.912.020.151.362.020.0545
5 Yr CD - $10k1.142.300.151.672.280.8553
1 Mo CD - $100k0.110.500.010.280.350.2016
2 Mo CD - $100k0.120.500.010.350.350.3523
3 Mo CD - $100k0.150.750.010.493.010.0534
6 Mo CD - $100k0.220.900.010.540.950.1031
1 Yr CD - $100k0.441.510.050.851.450.1541
2 Yr CD - $100k0.561.600.091.121.550.3056
3 Yr CD - $100k0.741.610.101.351.810.5061
Interest Checking - $5k0.070.250.010.140.650.016
Liquid IRA Account0.180.750.020.472.140.0429
Money Market - $2.5k0.130.760.010.190.900.056
Money Market - $10k0.161.000.010.250.900.019
Money Market - $25k0.201.000.030.300.900.0110
Money Market - $50k0.241.250.030.360.900.0211
Money Market - $100k0.281.250.030.421.000.0214
Money Market - $250k0.291.250.030.431.000.0214
Regular Savings - $1k0.130.750.010.191.000.016
New Car - 36 Mo4.056.752.242.355.870.99-170
New Car - 48 Mo4.136.752.302.525.871.74-161
New Car - 60 Mo4.196.752.492.665.871.74-154
New Car - 72 Mo4.247.502.493.075.991.74-116
Used Car - 36 Mo4.699.002.492.637.951.49-206
Used Car - 48 Mo4.769.002.752.817.951.74-195
Used Car - 60 Mo4.568.502.892.937.951.74-163
Used Car - 72 Mo4.185.253.253.277.951.74-91
New Boat - 60 Mo6.3610.993.995.028.501.99-134
Rewards Credit Card12.8217.909.009.8412.905.49-298
Credit Card Platinum11.8924.998.498.8814.405.24-300
Credit Card Classic14.0419.009.7411.1316.905.24-290
Home Equity - LOC4.407.503.504.006.003.50-40
Home Equity - 5 Yr5.199.033.554.196.901.99-100
Home Equity - 10 Yr5.529.033.804.806.952.89-72
Home Equity - 15 Yr5.749.034.005.367.403.39-38
15 Yr Fixed3.9765.7503.1253.7764.6253.116-20
20 Yr Fixed4.1245.7813.5004.2625.1253.37514
30 Yr Fixed4.3485.8133.6254.4345.3753.7619
1 Yr ARM3.8144.2502.2503.3734.1032.500-44
3/1 ARM3.8175.0003.0003.3964.6251.875-42
5/1 ARM3.8815.5002.9723.4764.5002.500-41
7/1 ARM3.8025.2503.0003.7524.6252.875-5
New RV - 60 Mo6.3010.993.995.088.501.99-122
Unsecured - 36 Mo10.3218.005.258.9612.553.49-136
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* Represents the difference in the average rate between banks and credit unions.