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 - $10k0.160.610.010.411.260.1025
6 Mo CD - $10k0.281.000.010.491.510.2021
1 Yr CD - $10k0.481.400.050.781.750.3030
18 Mo CD - $10k0.531.360.050.921.790.3038
2 Yr CD - $10k0.671.610.100.981.830.3032
30 Mo CD - $10k0.681.610.101.121.870.6544
3 Yr CD - $10k0.841.800.151.201.920.4036
4 Yr CD - $10k0.941.760.251.421.900.8547
5 Yr CD - $10k1.162.020.301.632.150.5048
1 Mo CD - $100k0.110.500.010.430.750.1031
2 Mo CD - $100k0.120.300.010.450.750.1533
3 Mo CD - $100k0.160.610.010.380.850.1022
6 Mo CD - $100k0.261.000.010.530.950.2027
1 Yr CD - $100k0.481.400.050.801.300.4532
2 Yr CD - $100k0.631.550.101.051.600.6542
3 Yr CD - $100k0.831.800.151.291.700.7547
Interest Checking - $5k0.110.500.010.180.500.057
Liquid IRA Account0.200.900.010.471.510.1027
Money Market - $2.5k0.130.500.010.290.600.0516
Money Market - $10k0.150.500.010.320.650.0517
Money Market - $25k0.190.610.010.360.700.0517
Money Market - $50k0.230.850.010.410.750.0518
Money Market - $100k0.270.850.010.450.850.0518
Money Market - $250k0.290.850.010.460.850.0517
Regular Savings - $1k0.151.050.010.261.260.0511
New Car - 36 Mo4.539.001.742.283.251.50-225
New Car - 48 Mo4.609.002.092.433.451.74-217
New Car - 60 Mo4.699.502.342.634.001.74-206
New Car - 72 Mo4.387.502.743.095.741.99-129
Used Car - 36 Mo5.3112.002.252.544.501.50-277
Used Car - 48 Mo5.3712.002.502.704.501.74-267
Used Car - 60 Mo5.1512.002.752.874.501.74-229
Used Car - 72 Mo4.416.503.253.315.292.24-110
New Boat - 60 Mo5.9010.582.954.146.991.99-176
Rewards Credit Card12.5618.157.249.7913.006.49-277
Credit Card Platinum11.9716.157.158.8913.255.75-307
Credit Card Classic12.4918.008.5011.2016.807.90-130
Home Equity - LOC4.838.263.754.376.252.75-46
Home Equity - 5 Yr5.316.754.005.007.252.50-31
Home Equity - 10 Yr5.397.204.005.377.253.50-2
Home Equity - 15 Yr5.866.754.004.996.254.00-87
15 Yr Fixed3.5505.3752.8753.5544.3502.8750
20 Yr Fixed3.9004.5003.5003.9854.7503.3758
30 Yr Fixed4.0985.5003.5004.0194.3753.500-8
1 Yr ARM3.1533.8752.0003.1193.5002.650-3
3/1 ARM3.3884.3002.8753.1383.6251.875-25
5/1 ARM3.5675.5002.7503.3664.2502.500-20
7/1 ARM3.6254.5003.0003.6874.0002.9506
New RV - 60 Mo5.9110.582.954.237.551.99-168
Unsecured - 36 Mo8.8615.995.259.1518.005.9029
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* Represents the difference in the average rate between banks and credit unions.