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 - $10k0.160.610.010.431.260.1027
6 Mo CD - $10k0.271.000.010.501.510.2023
1 Yr CD - $10k0.461.360.050.821.750.3037
18 Mo CD - $10k0.531.360.050.941.790.3041
2 Yr CD - $10k0.681.770.101.041.830.3036
30 Mo CD - $10k0.691.620.101.141.870.6545
3 Yr CD - $10k0.851.800.151.251.920.4040
4 Yr CD - $10k0.962.000.251.451.900.8549
5 Yr CD - $10k1.172.020.301.682.280.5051
1 Mo CD - $100k0.110.500.010.631.150.1051
2 Mo CD - $100k0.120.300.010.661.160.1554
3 Mo CD - $100k0.160.610.010.411.160.1026
6 Mo CD - $100k0.251.000.010.551.160.2030
1 Yr CD - $100k0.441.150.050.871.510.4543
2 Yr CD - $100k0.651.770.101.121.820.6547
3 Yr CD - $100k0.841.800.151.342.070.7551
Interest Checking - $5k0.110.500.010.180.500.058
Liquid IRA Account0.200.900.010.471.660.1027
Money Market - $2.5k0.130.400.010.300.600.0517
Money Market - $10k0.150.500.010.330.650.0517
Money Market - $25k0.190.610.010.360.700.0518
Money Market - $50k0.230.850.010.420.750.0519
Money Market - $100k0.270.850.010.460.850.0519
Money Market - $250k0.290.850.010.460.850.0518
Regular Savings - $1k0.140.650.010.261.260.0512
New Car - 36 Mo4.539.001.742.283.451.50-225
New Car - 48 Mo4.609.002.092.443.701.74-216
New Car - 60 Mo4.699.502.342.634.001.74-206
New Car - 72 Mo4.427.502.743.095.741.99-133
Used Car - 36 Mo5.3112.002.252.554.501.50-276
Used Car - 48 Mo5.3712.002.502.724.501.74-266
Used Car - 60 Mo5.1812.002.752.884.501.74-229
Used Car - 72 Mo4.516.503.253.335.292.24-118
New Boat - 60 Mo5.8810.582.954.177.741.99-171
Rewards Credit Card12.3416.997.249.7613.006.49-258
Credit Card Platinum11.9216.157.158.8713.256.00-305
Credit Card Classic12.6218.008.2411.2316.807.90-139
Home Equity - LOC4.878.263.754.416.252.75-46
Home Equity - 5 Yr5.216.754.005.027.252.50-20
Home Equity - 10 Yr5.517.244.005.417.253.50-9
Home Equity - 15 Yr5.887.544.004.976.254.00-91
15 Yr Fixed3.5895.3752.8753.6064.3503.0002
20 Yr Fixed3.8934.5002.8753.9974.7503.50010
30 Yr Fixed4.0904.5003.6254.0954.3753.6250
1 Yr ARM3.1533.8752.0003.1193.5002.650-3
3/1 ARM3.4604.3002.8753.1673.6251.875-29
5/1 ARM3.5485.5002.7503.3844.2502.500-16
7/1 ARM3.6584.5003.0003.7324.0002.9507
New RV - 60 Mo5.8910.582.954.267.741.99-163
Unsecured - 36 Mo8.9915.995.259.1618.005.9018
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* Represents the difference in the average rate between banks and credit unions.