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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.231.200.010.280.550.155
6 Mo CD - $10k0.351.250.010.451.150.1510
1 Yr CD - $10k0.531.400.040.741.360.3022
18 Mo CD - $10k0.632.010.050.891.610.5026
2 Yr CD - $10k0.711.660.101.061.650.4035
30 Mo CD - $10k0.841.710.101.101.830.6526
3 Yr CD - $10k1.051.850.151.271.850.6021
4 Yr CD - $10k1.202.120.251.522.450.6532
5 Yr CD - $10k1.452.220.351.742.500.8528
1 Mo CD - $100k0.110.500.010.220.250.1511
2 Mo CD - $100k0.090.200.010.250.250.2516
3 Mo CD - $100k0.221.000.010.290.500.157
6 Mo CD - $100k0.361.250.010.450.850.159
1 Yr CD - $100k0.511.350.050.731.310.4022
2 Yr CD - $100k0.681.530.101.101.610.5042
3 Yr CD - $100k1.041.850.151.211.810.7017
Interest Checking - $5k0.100.650.010.130.400.013
Liquid IRA Account0.663.290.010.492.500.10-17
Money Market - $2.5k0.141.160.010.170.500.053
Money Market - $10k0.171.160.010.280.800.0711
Money Market - $25k0.211.160.010.391.000.0918
Money Market - $50k0.251.160.010.471.310.0922
Money Market - $100k0.311.160.010.571.410.0926
Money Market - $250k0.341.160.010.621.410.0927
Regular Savings - $1k0.120.560.010.151.000.032
New Car - 36 Mo4.227.752.242.945.001.79-128
New Car - 48 Mo4.318.252.243.015.001.89-130
New Car - 60 Mo4.398.502.243.225.251.99-117
New Car - 72 Mo4.396.752.243.655.752.15-74
Used Car - 36 Mo4.478.252.243.256.001.99-122
Used Car - 48 Mo4.578.502.243.376.241.99-120
Used Car - 60 Mo4.648.752.243.606.742.09-104
Used Car - 72 Mo4.506.752.243.454.942.15-106
New Boat - 60 Mo5.6810.602.994.916.992.99-77
Rewards Credit Card12.7216.996.2410.8113.008.80-191
Credit Card Platinum10.9616.156.259.5510.996.99-141
Credit Card Classic13.8919.9910.2511.1716.998.75-272
Home Equity - LOC4.847.104.004.335.253.50-50
Home Equity - 5 Yr4.946.503.244.095.992.99-85
Home Equity - 10 Yr5.257.253.844.786.242.99-47
Home Equity - 15 Yr5.888.254.005.587.992.99-30
15 Yr Fixed3.4674.1252.8753.4083.5003.000-6
20 Yr Fixed3.8454.1253.3753.7674.0003.375-8
30 Yr Fixed4.0264.3753.6253.9834.3003.625-4
1 Yr ARM3.5494.7502.3753.3953.6253.125-15
3/1 ARM3.9915.0002.7503.4304.0002.875-56
5/1 ARM3.8445.5002.7503.6744.6253.107-17
7/1 ARM3.7245.0003.0003.9985.0003.37527
New RV - 60 Mo5.9314.502.994.778.502.99-116
Unsecured - 36 Mo10.2318.004.999.6014.005.74-63
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* Represents the difference in the average rate between banks and credit unions.