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 - $10k0.130.700.010.321.050.0319
6 Mo CD - $10k0.211.200.010.461.460.0325
1 Yr CD - $10k0.431.600.010.711.650.0728
18 Mo CD - $10k0.521.750.030.901.770.1038
2 Yr CD - $10k0.571.800.030.961.860.1539
30 Mo CD - $10k0.611.850.031.071.860.4045
3 Yr CD - $10k0.772.000.031.201.980.2543
4 Yr CD - $10k0.942.070.101.512.120.3057
5 Yr CD - $10k1.322.250.031.822.500.8550
1 Mo CD - $100k0.090.600.01    
2 Mo CD - $100k0.110.600.01    
3 Mo CD - $100k0.140.700.010.270.650.0513
3 Mo CD - $250k   0.100.100.10 
6 Mo CD - $100k0.220.930.010.380.850.0516
6 Mo CD - $250k   0.150.150.15 
1 Yr CD - $100k0.431.600.010.711.550.1028
1 Yr CD - $250k   0.700.700.70 
2 Yr CD - $100k0.581.800.030.931.600.2034
2 Yr CD - $250k   1.101.101.10 
3 Yr CD - $100k0.802.000.031.101.700.3030
3 Yr CD - $250k   1.301.301.30 
Interest Checking - $5k0.081.000.010.090.500.011
Liquid IRA Account0.251.850.010.201.250.04-5
Money Market - $2.5k0.111.000.010.181.010.017
Money Market - $10k0.141.000.010.201.010.016
Money Market - $25k0.191.000.010.261.010.047
Money Market - $50k0.221.000.010.331.010.0511
Money Market - $100k0.251.000.010.371.010.0512
Money Market - $250k0.261.000.010.401.010.0514
Regular Savings - $1k0.081.300.010.090.300.011
New Car - 36 Mo3.907.252.242.955.991.74-95
New Car - 48 Mo3.957.252.403.036.491.90-92
New Car - 60 Mo4.027.252.403.116.992.15-91
New Car - 72 Mo4.047.252.753.377.492.24-67
Used Car - 36 Mo4.209.252.243.155.991.89-105
Used Car - 48 Mo4.249.252.403.206.491.90-104
Used Car - 60 Mo4.108.252.403.286.992.15-82
Used Car - 72 Mo4.086.202.993.537.492.24-55
New Boat - 60 Mo6.1510.602.995.169.002.34-99
Rewards Credit Card12.6216.994.9911.4916.256.99-114
Credit Card Platinum11.1216.156.999.3911.956.25-173
Credit Card Classic13.4820.909.5011.1618.008.24-232
Home Equity - LOC4.647.253.244.285.003.25-37
Home Equity - 5 Yr4.956.503.884.757.503.04-20
Home Equity - 10 Yr5.296.753.995.247.753.50-4
Home Equity - 15 Yr5.487.253.255.867.753.5038
15 Yr Fixed3.6497.2502.9903.5914.0003.000-6
20 Yr Fixed3.9977.5503.5003.9994.3753.5000
30 Yr Fixed4.1346.7503.6254.1704.5003.6254
1 Yr ARM3.5014.9801.9903.3714.0002.500-13
3/1 ARM3.6575.2502.1903.4804.5001.875-18
5/1 ARM3.8055.5002.3903.8564.8752.6255
7/1 ARM3.9115.7502.8754.2995.3753.25039
New RV - 60 Mo6.2610.602.995.159.002.75-110
Unsecured - 36 Mo10.8518.966.759.3018.005.50-155
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* Represents the difference in the average rate between banks and credit unions.