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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.140.750.010.220.500.027
6 Mo CD - $10k0.231.050.010.300.750.027
1 Yr CD - $10k0.381.350.010.501.500.0212
18 Mo CD - $10k0.581.500.050.661.500.058
2 Yr CD - $10k0.601.560.050.761.700.0516
30 Mo CD - $10k0.681.510.050.781.660.1010
3 Yr CD - $10k0.822.000.050.982.000.1016
4 Yr CD - $10k0.992.000.101.282.300.1029
5 Yr CD - $10k1.292.200.151.502.350.1021
1 Mo CD - $100k0.120.550.010.030.030.03-9
2 Mo CD - $100k0.110.550.01    
3 Mo CD - $100k0.150.650.010.250.550.0511
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.231.050.010.390.750.1517
6 Mo CD - $250k   0.500.600.40 
1 Yr CD - $100k0.361.350.010.621.500.2026
1 Yr CD - $250k   0.600.750.45 
2 Yr CD - $100k0.561.500.050.921.700.4035
2 Yr CD - $250k   0.930.950.90 
3 Yr CD - $100k0.772.000.051.132.000.6537
3 Yr CD - $250k   1.301.301.30 
Interest Checking - $5k0.091.250.010.130.800.014
Liquid IRA Account0.231.410.010.332.020.029
Money Market - $2.5k0.111.260.010.171.260.016
Money Market - $10k0.141.260.010.211.260.018
Money Market - $25k0.171.260.010.281.260.0211
Money Market - $50k0.201.260.010.321.260.0212
Money Market - $100k0.241.260.010.371.260.0513
Money Market - $250k0.261.260.010.381.260.0513
Regular Savings - $1k0.110.650.010.151.250.014
New Car - 36 Mo4.299.171.492.445.991.49-185
New Car - 48 Mo4.439.511.752.566.491.49-187
New Car - 60 Mo4.579.421.752.676.991.49-190
New Car - 72 Mo4.388.002.543.097.491.49-130
Used Car - 36 Mo4.8311.381.752.675.991.49-217
Used Car - 48 Mo4.9411.541.752.786.491.49-216
Used Car - 60 Mo4.8411.741.752.896.991.49-195
Used Car - 72 Mo4.217.002.903.397.491.99-82
New Boat - 60 Mo5.6410.592.494.659.251.90-98
Rewards Credit Card13.3917.906.2410.6113.997.50-278
Credit Card Platinum10.7315.907.749.5213.447.65-121
Credit Card Classic12.4119.249.2012.2018.001.00-22
Home Equity - LOC4.777.383.254.287.002.99-49
Home Equity - 5 Yr5.168.903.504.817.242.49-34
Home Equity - 10 Yr5.597.614.135.468.492.99-13
Home Equity - 15 Yr5.768.254.255.777.492.991
15 Yr Fixed3.5495.0003.0003.5105.2503.000-4
20 Yr Fixed3.9576.0003.2503.9985.5003.5004
30 Yr Fixed4.1846.5003.6254.2165.7503.6253
1 Yr ARM3.7556.0001.8753.0343.6671.000-72
3/1 ARM3.5756.0002.6253.1714.1251.000-40
5/1 ARM3.6375.5002.6253.4034.6251.000-23
7/1 ARM3.6985.9502.7503.5294.6251.000-17
New RV - 60 Mo5.5910.592.494.579.251.90-102
Unsecured - 36 Mo9.6316.004.999.0315.503.90-60
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* Represents the difference in the average rate between banks and credit unions.