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 - $10k0.121.250.010.281.360.0116
6 Mo CD - $10k0.202.000.010.431.510.0123
1 Yr CD - $10k0.361.710.010.691.920.0133
18 Mo CD - $10k0.411.800.010.802.000.0139
2 Yr CD - $10k0.512.000.010.952.070.0544
30 Mo CD - $10k0.502.210.011.062.170.0556
3 Yr CD - $10k0.672.250.011.202.330.0553
4 Yr CD - $10k0.772.300.011.422.530.0565
5 Yr CD - $10k1.022.520.011.713.050.0569
1 Mo CD - $100k0.081.090.010.210.750.0213
2 Mo CD - $100k0.080.850.010.250.750.0218
3 Mo CD - $100k0.121.300.010.321.000.0120
3 Mo CD - $250k   0.430.700.30 
6 Mo CD - $100k0.191.450.010.491.150.0330
6 Mo CD - $250k   0.621.000.40 
1 Yr CD - $100k0.351.700.010.791.750.0544
1 Yr CD - $250k   0.761.250.45 
2 Yr CD - $100k0.482.020.031.062.000.1057
2 Yr CD - $250k   1.071.360.90 
3 Yr CD - $100k0.622.050.031.302.280.2069
3 Yr CD - $250k   1.451.871.25 
Interest Checking - $5k0.071.260.010.113.010.014
Liquid IRA Account0.183.290.010.363.150.0119
Money Market - $2.5k0.091.300.010.222.800.0113
Money Market - $10k0.111.700.010.251.700.0113
Money Market - $25k0.151.700.010.301.310.0115
Money Market - $50k0.171.700.010.341.500.0117
Money Market - $100k0.211.700.010.391.500.0118
Money Market - $250k0.221.700.010.401.500.0118
Regular Savings - $1k0.081.400.010.151.510.017
New Car - 36 Mo3.9814.501.662.637.991.05-135
New Car - 48 Mo4.0610.501.752.777.991.24-129
New Car - 60 Mo4.1610.501.752.887.991.24-128
New Car - 72 Mo4.179.251.983.268.751.49-92
Used Car - 36 Mo4.4814.501.742.917.991.24-157
Used Car - 48 Mo4.5413.750.893.027.991.24-152
Used Car - 60 Mo4.4112.001.753.137.991.24-129
Used Car - 72 Mo4.309.751.973.508.241.59-79
New Boat - 60 Mo6.5514.501.995.1111.991.69-143
Rewards Credit Card13.7819.994.9910.5716.994.25-320
Credit Card Platinum12.2324.995.009.3814.995.75-286
Credit Card Classic12.9823.495.0011.3218.001.00-166
Home Equity - LOC5.479.063.244.468.001.99-101
Home Equity - 5 Yr5.1811.002.484.579.751.99-60
Home Equity - 10 Yr5.5711.002.995.069.002.75-51
Home Equity - 15 Yr5.869.243.255.409.252.90-46
15 Yr Fixed3.5397.2502.6253.4876.5002.625-5
20 Yr Fixed3.9417.5503.1253.8916.0003.000-5
30 Yr Fixed4.0997.0003.5004.0726.7503.421-3
1 Yr ARM3.1516.5001.5003.1105.5001.000-4
3/1 ARM3.4346.5001.0003.2415.2501.000-19
5/1 ARM3.5697.2501.0003.4015.5001.000-17
7/1 ARM3.6626.4002.6253.6235.5001.000-4
New RV - 60 Mo6.6514.501.995.1211.991.69-152
Unsecured - 36 Mo9.9620.752.509.2218.002.99-74
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* Represents the difference in the average rate between banks and credit unions.