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 - $10k0.170.770.010.250.400.157
6 Mo CD - $10k0.280.800.010.420.800.1514
1 Yr CD - $10k0.451.400.040.681.150.3022
18 Mo CD - $10k0.571.500.050.821.250.4024
2 Yr CD - $10k0.671.600.101.021.600.4035
30 Mo CD - $10k0.771.600.101.081.600.6531
3 Yr CD - $10k0.911.750.121.211.700.6030
4 Yr CD - $10k1.102.000.151.382.300.6528
5 Yr CD - $10k1.393.000.151.662.350.8527
1 Mo CD - $100k0.110.500.010.220.250.1511
2 Mo CD - $100k0.090.200.010.250.250.2516
3 Mo CD - $100k0.180.770.010.260.400.158
6 Mo CD - $100k0.280.800.010.440.850.1517
1 Yr CD - $100k0.461.400.050.711.110.4025
2 Yr CD - $100k0.681.700.101.091.600.5041
3 Yr CD - $100k0.901.600.121.201.660.7030
Interest Checking - $5k0.090.650.010.130.500.013
Liquid IRA Account0.623.290.010.472.500.10-15
Money Market - $2.5k0.120.800.010.180.500.056
Money Market - $10k0.161.020.010.280.750.0712
Money Market - $25k0.191.020.010.360.800.0917
Money Market - $50k0.231.020.010.430.900.0921
Money Market - $100k0.281.050.010.541.160.0926
Money Market - $250k0.301.050.010.591.260.0929
Regular Savings - $1k0.120.560.010.151.000.033
New Car - 36 Mo4.167.751.992.895.001.79-127
New Car - 48 Mo4.248.251.992.965.001.89-127
New Car - 60 Mo4.328.501.993.165.251.99-116
New Car - 72 Mo4.306.751.993.595.891.99-71
Used Car - 36 Mo4.408.252.243.156.001.99-125
Used Car - 48 Mo4.488.502.243.276.241.99-120
Used Car - 60 Mo4.508.752.243.516.741.99-99
Used Car - 72 Mo4.446.752.243.285.891.99-116
New Boat - 60 Mo5.5610.582.995.047.242.99-52
Rewards Credit Card12.7917.906.2410.5112.998.49-228
Credit Card Platinum10.8715.906.009.3910.498.20-148
Credit Card Classic13.1316.509.4510.9516.998.25-218
Home Equity - LOC4.687.633.504.245.003.49-44
Home Equity - 5 Yr4.927.503.204.045.992.49-88
Home Equity - 10 Yr5.257.253.844.796.252.99-46
Home Equity - 15 Yr6.248.254.505.677.992.99-57
15 Yr Fixed3.5844.1253.1253.4923.8753.125-9
20 Yr Fixed3.9954.3753.5003.9194.2503.500-8
30 Yr Fixed4.2114.6253.7404.1734.5003.855-4
1 Yr ARM3.4824.7502.3753.3593.3753.250-12
3/1 ARM3.8515.0002.5003.5154.2503.125-34
5/1 ARM3.8765.5002.7503.6124.3753.107-26
7/1 ARM3.7955.2503.0003.9674.6253.37517
New RV - 60 Mo5.8014.502.994.898.502.99-92
Unsecured - 36 Mo10.3918.504.999.6714.006.25-72
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* Represents the difference in the average rate between banks and credit unions.