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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.141.000.010.200.500.026
6 Mo CD - $10k0.220.800.010.280.650.027
1 Yr CD - $10k0.361.350.010.471.300.0211
18 Mo CD - $10k0.541.400.050.631.500.059
2 Yr CD - $10k0.571.500.050.731.600.0516
30 Mo CD - $10k0.661.560.050.761.600.1010
3 Yr CD - $10k0.801.650.050.952.000.1016
4 Yr CD - $10k0.971.800.101.252.300.1027
5 Yr CD - $10k1.282.300.151.472.350.1019
1 Mo CD - $100k0.120.550.010.030.030.03-9
2 Mo CD - $100k0.110.550.01    
3 Mo CD - $100k0.150.650.010.250.550.0510
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.220.800.010.380.750.1516
6 Mo CD - $250k   0.500.600.40 
1 Yr CD - $100k0.361.350.010.591.300.2023
1 Yr CD - $250k   0.600.750.45 
2 Yr CD - $100k0.541.500.050.901.560.4036
2 Yr CD - $250k   0.930.950.90 
3 Yr CD - $100k0.761.650.051.091.660.6533
3 Yr CD - $250k   1.301.301.30 
Interest Checking - $5k0.091.250.010.130.800.014
Liquid IRA Account0.231.410.010.322.020.029
Money Market - $2.5k0.100.750.010.161.040.015
Money Market - $10k0.130.750.010.201.040.017
Money Market - $25k0.170.750.010.271.040.0210
Money Market - $50k0.201.010.010.311.040.0212
Money Market - $100k0.241.010.010.361.060.0512
Money Market - $250k0.251.010.010.371.260.0512
Regular Savings - $1k0.110.650.010.141.000.013
New Car - 36 Mo4.259.171.752.415.991.49-184
New Car - 48 Mo4.419.511.752.546.491.49-187
New Car - 60 Mo4.549.421.752.646.991.49-190
New Car - 72 Mo4.368.002.543.057.491.49-132
Used Car - 36 Mo4.8111.381.752.605.991.49-221
Used Car - 48 Mo4.9311.541.752.726.491.49-221
Used Car - 60 Mo4.8211.741.752.836.991.49-198
Used Car - 72 Mo4.267.002.903.307.491.99-96
New Boat - 60 Mo5.6010.592.904.649.251.90-96
Rewards Credit Card13.3517.906.2410.4313.007.25-292
Credit Card Platinum10.6515.907.749.4213.447.40-123
Credit Card Classic12.1219.249.2012.1918.001.007
Home Equity - LOC4.687.633.254.197.002.99-50
Home Equity - 5 Yr5.208.903.504.747.242.49-46
Home Equity - 10 Yr5.627.614.255.418.492.99-21
Home Equity - 15 Yr5.798.254.505.757.402.99-5
15 Yr Fixed3.6275.7503.1253.6245.2503.1250
20 Yr Fixed4.0516.0003.5004.1455.5003.6259
30 Yr Fixed4.2906.5003.7404.3555.7503.8557
1 Yr ARM3.7826.0002.1253.0233.7501.000-76
3/1 ARM3.6395.2502.7503.2054.1251.000-43
5/1 ARM3.7145.5002.6253.4934.6251.000-22
7/1 ARM3.7645.9502.7503.5754.6251.000-19
New RV - 60 Mo5.5510.592.904.569.251.90-99
Unsecured - 36 Mo9.6816.004.999.0915.503.90-59
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* Represents the difference in the average rate between banks and credit unions.