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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.130.610.010.271.060.0315
6 Mo CD - $10k0.201.200.010.431.300.0323
1 Yr CD - $10k0.411.500.010.671.460.0726
18 Mo CD - $10k0.491.500.030.811.470.1032
2 Yr CD - $10k0.561.800.030.921.760.1536
30 Mo CD - $10k0.601.900.031.041.600.2544
3 Yr CD - $10k0.742.000.031.172.060.2543
4 Yr CD - $10k0.912.020.101.462.010.3055
5 Yr CD - $10k1.302.250.031.782.500.8548
1 Mo CD - $100k0.100.600.01    
2 Mo CD - $100k0.110.600.01    
3 Mo CD - $100k0.160.610.010.250.650.059
6 Mo CD - $100k0.211.000.010.360.850.0514
1 Yr CD - $100k0.431.500.010.681.550.1025
2 Yr CD - $100k0.581.700.030.871.600.2029
3 Yr CD - $100k0.722.000.031.042.000.3031
Interest Checking - $5k0.091.000.010.080.350.01-1
Liquid IRA Account0.251.780.010.190.750.04-6
Money Market - $2.5k0.111.000.010.171.010.016
Money Market - $10k0.141.000.010.201.010.016
Money Market - $25k0.191.000.010.251.010.046
Money Market - $50k0.221.000.010.321.010.0510
Money Market - $100k0.251.000.010.361.010.0511
Money Market - $250k0.261.000.010.391.010.0513
Regular Savings - $1k0.091.300.010.090.300.010
New Car - 36 Mo3.867.251.742.905.991.74-96
New Car - 48 Mo3.917.252.242.976.491.90-94
New Car - 60 Mo3.987.252.293.056.992.14-93
New Car - 72 Mo4.007.252.493.327.492.24-68
Used Car - 36 Mo4.169.251.743.075.991.89-109
Used Car - 48 Mo4.209.252.243.126.491.90-108
Used Car - 60 Mo4.078.252.393.196.992.15-87
Used Car - 72 Mo4.046.202.493.467.492.24-58
New Boat - 60 Mo6.1610.602.995.159.002.24-101
Rewards Credit Card12.6518.154.9911.1416.256.99-150
Credit Card Platinum11.1716.156.999.4611.956.75-171
Credit Card Classic13.3220.909.5011.7018.008.24-162
Home Equity - LOC4.687.503.244.405.803.25-28
Home Equity - 5 Yr4.896.503.714.737.503.04-16
Home Equity - 10 Yr5.226.753.005.207.753.50-2
Home Equity - 15 Yr5.427.253.255.777.753.5035
15 Yr Fixed3.5857.2502.8303.4633.7502.875-12
20 Yr Fixed3.9467.5503.3753.9034.2503.375-4
30 Yr Fixed4.0746.7503.6254.0874.3753.5001
1 Yr ARM3.4844.9801.9903.3054.0002.500-18
3/1 ARM3.6345.2502.1803.3744.3751.875-26
5/1 ARM3.7545.5002.3903.7324.8752.625-2
7/1 ARM3.8525.7502.8754.1765.1253.00032
New RV - 60 Mo6.2710.602.995.159.002.24-112
Unsecured - 36 Mo10.8518.966.759.0714.605.50-178
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* Represents the difference in the average rate between banks and credit unions.