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 - $10k0.201.000.010.270.550.157
6 Mo CD - $10k0.331.150.010.440.850.1511
1 Yr CD - $10k0.531.350.040.711.300.2718
18 Mo CD - $10k0.631.610.050.871.500.5024
2 Yr CD - $10k0.731.750.101.011.750.4028
30 Mo CD - $10k0.851.770.101.091.810.7524
3 Yr CD - $10k1.001.910.121.222.000.4523
4 Yr CD - $10k1.152.000.151.422.350.6527
5 Yr CD - $10k1.432.150.151.692.500.8526
1 Mo CD - $100k0.110.500.010.220.250.1511
2 Mo CD - $100k0.090.200.010.250.250.2516
3 Mo CD - $100k0.200.770.010.280.500.158
6 Mo CD - $100k0.321.150.010.460.850.1514
1 Yr CD - $100k0.511.350.050.721.160.4021
2 Yr CD - $100k0.691.750.101.071.610.5037
3 Yr CD - $100k0.941.700.121.221.810.7028
Interest Checking - $5k0.100.750.010.120.400.012
Liquid IRA Account0.643.290.010.472.500.10-17
Money Market - $2.5k0.131.160.010.180.450.054
Money Market - $10k0.171.160.010.280.750.0711
Money Market - $25k0.201.160.010.360.850.0916
Money Market - $50k0.241.160.010.430.950.0919
Money Market - $100k0.291.160.010.541.160.0924
Money Market - $250k0.321.160.010.591.260.0927
Regular Savings - $1k0.120.560.010.161.000.033
New Car - 36 Mo4.207.752.242.995.001.79-121
New Car - 48 Mo4.288.252.243.065.001.89-123
New Car - 60 Mo4.378.502.243.265.251.99-111
New Car - 72 Mo4.386.752.243.705.892.09-68
Used Car - 36 Mo4.448.252.243.266.001.99-118
Used Car - 48 Mo4.538.502.243.386.241.99-115
Used Car - 60 Mo4.598.752.243.636.742.09-96
Used Car - 72 Mo4.486.752.243.505.892.09-98
New Boat - 60 Mo5.6410.592.995.087.492.99-57
Rewards Credit Card12.7418.156.2410.8713.008.74-187
Credit Card Platinum10.9416.156.259.6610.998.65-128
Credit Card Classic13.9919.7410.2511.0516.998.75-294
Home Equity - LOC4.767.753.754.345.003.50-41
Home Equity - 5 Yr4.977.503.244.075.992.49-90
Home Equity - 10 Yr5.337.253.844.846.252.99-49
Home Equity - 15 Yr6.128.254.505.707.992.99-42
15 Yr Fixed3.4844.5002.7503.3593.6252.875-12
20 Yr Fixed3.8554.3753.5003.7534.0003.500-10
30 Yr Fixed4.0564.5003.6253.9904.3003.625-7
1 Yr ARM3.4954.7502.2503.3173.3753.125-18
3/1 ARM3.9505.0002.7503.4804.2503.000-47
5/1 ARM3.8705.5002.7503.5714.2502.875-30
7/1 ARM3.7455.0003.0003.8384.5003.2509
New RV - 60 Mo5.8814.502.994.938.502.99-96
Unsecured - 36 Mo10.2318.504.999.4514.005.49-77
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* Represents the difference in the average rate between banks and credit unions.