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 - $10k0.230.350.050.360.650.2014
6 Mo CD - $10k0.330.600.070.480.850.2516
1 Yr CD - $10k0.641.300.150.821.310.5018
18 Mo CD - $10k0.821.350.201.181.251.1036
2 Yr CD - $10k0.851.500.201.061.510.6522
30 Mo CD - $10k0.871.150.25    
3 Yr CD - $10k0.891.210.351.251.760.8036
4 Yr CD - $10k0.831.090.351.491.811.0566
5 Yr CD - $10k1.161.500.501.772.121.3060
1 Mo CD - $100k0.150.150.15    
2 Mo CD - $100k0.200.200.20    
3 Mo CD - $100k0.300.300.300.300.300.300
6 Mo CD - $100k0.450.450.450.530.850.308
1 Yr CD - $100k1.301.301.300.821.310.55-48
2 Yr CD - $100k1.501.501.501.091.510.70-41
3 Yr CD - $100k1.001.001.001.301.760.8030
Interest Checking - $5k0.090.200.010.130.200.054
Liquid IRA Account0.200.200.200.511.260.2331
Money Market - $2.5k0.230.400.050.140.200.05-9
Money Market - $10k0.280.400.150.160.230.05-12
Money Market - $25k0.360.500.200.210.250.10-15
Money Market - $50k0.430.500.300.230.300.10-20
Money Market - $100k0.711.150.400.270.350.15-45
Money Market - $250k0.741.150.500.280.350.15-46
Regular Savings - $1k0.140.250.010.130.350.05-1
New Car - 36 Mo5.737.494.252.112.851.49-362
New Car - 48 Mo5.607.494.502.342.851.89-325
New Car - 60 Mo5.817.494.752.592.991.89-322
New Car - 72 Mo5.887.494.953.243.752.89-263
Used Car - 36 Mo7.147.946.252.723.241.89-441
Used Car - 48 Mo6.997.946.252.773.241.89-421
Used Car - 60 Mo6.997.946.253.023.491.89-396
Used Car - 72 Mo6.867.946.253.833.993.59-303
New Boat - 60 Mo5.857.494.955.536.894.09-32
Rewards Credit Card12.9119.999.9510.2510.998.99-266
Credit Card Platinum13.4919.999.959.7610.248.90-373
Credit Card Classic15.8623.499.9512.7412.7412.74-312
Home Equity - LOC4.504.504.504.134.503.75-38
Home Equity - 5 Yr   4.394.494.20 
Home Equity - 10 Yr   4.995.244.74 
Home Equity - 15 Yr   5.335.744.99 
15 Yr Fixed3.5033.5003.1253.4243.3262.970-8
20 Yr Fixed3.9523.8753.5003.9283.7503.425-2
30 Yr Fixed4.1624.1254.0004.0724.0003.626-9
1 Yr ARM3.4544.0492.750 
3/1 ARM3.9433.8753.8753.8393.8743.250-10
5/1 ARM4.1944.1254.1253.7783.6513.500-42
7/1 ARM4.3204.2504.2503.8623.7213.592-46
New RV - 60 Mo5.807.494.955.126.154.09-68
Unsecured - 36 Mo7.958.756.998.149.994.7519
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* Represents the difference in the average rate between banks and credit unions.