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 - $10k0.161.100.010.230.600.027
6 Mo CD - $10k0.252.000.010.320.800.027
1 Yr CD - $10k0.421.710.010.541.400.0212
18 Mo CD - $10k0.611.730.050.691.660.059
2 Yr CD - $10k0.631.800.050.801.760.0517
30 Mo CD - $10k0.731.820.050.851.830.1012
3 Yr CD - $10k0.852.000.051.022.250.1017
4 Yr CD - $10k1.032.060.101.332.350.1030
5 Yr CD - $10k1.342.350.251.552.500.1021
1 Mo CD - $100k0.130.550.010.030.030.03-10
2 Mo CD - $100k0.120.550.01    
3 Mo CD - $100k0.171.000.010.290.650.0512
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.241.050.010.430.860.1519
6 Mo CD - $250k   0.580.750.40 
1 Yr CD - $100k0.421.550.010.691.400.2027
1 Yr CD - $250k   0.680.900.45 
2 Yr CD - $100k0.611.600.050.991.610.4039
2 Yr CD - $250k   1.001.100.90 
3 Yr CD - $100k0.801.900.051.202.000.6541
3 Yr CD - $250k   1.381.451.30 
Interest Checking - $5k0.091.250.010.130.800.014
Liquid IRA Account0.251.410.010.332.020.029
Money Market - $2.5k0.111.270.010.171.270.016
Money Market - $10k0.141.700.010.221.270.017
Money Market - $25k0.181.700.010.291.270.0210
Money Market - $50k0.211.700.010.331.270.0212
Money Market - $100k0.261.700.010.381.270.0513
Money Market - $250k0.271.700.010.401.270.0513
Regular Savings - $1k0.121.000.010.151.260.014
New Car - 36 Mo4.287.501.752.495.991.49-178
New Car - 48 Mo4.407.751.752.636.491.49-177
New Car - 60 Mo4.548.001.752.756.991.49-179
New Car - 72 Mo4.448.002.543.197.491.49-124
Used Car - 36 Mo4.778.501.752.725.991.49-205
Used Car - 48 Mo4.898.751.752.856.491.99-204
Used Car - 60 Mo4.808.501.752.976.991.99-182
Used Car - 72 Mo4.247.002.903.477.491.99-77
New Boat - 60 Mo5.5710.592.354.669.251.90-90
Rewards Credit Card13.4418.155.0010.8013.507.90-264
Credit Card Platinum10.8916.155.009.6913.446.99-120
Credit Card Classic12.4219.995.0012.1518.001.00-27
Home Equity - LOC4.947.733.494.457.003.50-49
Home Equity - 5 Yr5.188.903.754.767.242.49-42
Home Equity - 10 Yr5.597.254.135.398.492.99-19
Home Equity - 15 Yr5.798.254.255.837.492.994
15 Yr Fixed3.4805.0002.8753.3985.2502.875-8
20 Yr Fixed3.8815.8753.3753.8155.5003.375-7
30 Yr Fixed4.0896.5003.6254.0225.7503.500-7
1 Yr ARM3.8226.0002.0003.1294.0001.000-69
3/1 ARM3.6395.2502.5003.2004.1251.000-44
5/1 ARM3.6715.7002.6253.4784.6251.000-19
7/1 ARM3.6725.0002.7503.5655.0001.000-11
New RV - 60 Mo5.5610.592.354.559.251.90-100
Unsecured - 36 Mo9.5216.004.999.0313.494.90-49
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* Represents the difference in the average rate between banks and credit unions.