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 - $10k0.110.610.010.280.900.0117
6 Mo CD - $10k0.210.750.010.450.950.0524
1 Yr CD - $10k0.391.200.050.751.450.1036
18 Mo CD - $10k0.521.240.050.741.400.1522
2 Yr CD - $10k0.601.350.100.961.550.2036
30 Mo CD - $10k0.661.530.100.971.600.2032
3 Yr CD - $10k0.771.500.101.181.800.2541
4 Yr CD - $10k0.951.830.151.402.020.4545
5 Yr CD - $10k1.232.170.151.682.300.3545
1 Mo CD - $100k0.090.300.010.180.200.159
2 Mo CD - $100k0.100.300.010.150.150.155
3 Mo CD - $100k0.130.610.010.370.900.0124
6 Mo CD - $100k0.220.750.010.540.950.0832
1 Yr CD - $100k0.421.200.050.951.450.2353
2 Yr CD - $100k0.611.300.101.141.600.3553
3 Yr CD - $100k0.791.500.101.331.760.2554
Interest Checking - $5k0.080.600.010.193.010.0111
Liquid IRA Account0.201.290.020.371.260.0417
Money Market - $2.5k0.110.500.010.210.900.0111
Money Market - $10k0.130.500.010.250.900.0312
Money Market - $25k0.180.720.010.300.900.0411
Money Market - $50k0.210.720.030.330.900.0412
Money Market - $100k0.240.720.030.380.900.0414
Money Market - $250k0.261.000.030.391.000.0413
Regular Savings - $1k0.100.550.010.151.000.014
New Car - 36 Mo4.428.902.232.133.591.24-229
New Car - 48 Mo4.538.902.412.293.591.59-224
New Car - 60 Mo4.638.902.552.453.591.79-219
New Car - 72 Mo4.688.002.552.804.011.99-188
Used Car - 36 Mo5.079.902.492.343.791.45-273
Used Car - 48 Mo5.088.002.742.503.991.59-258
Used Car - 60 Mo4.828.032.842.663.991.79-216
Used Car - 72 Mo4.296.253.253.015.291.99-128
New Boat - 60 Mo6.9212.003.395.609.241.99-132
Rewards Credit Card12.8217.909.009.9114.654.00-291
Credit Card Platinum11.6024.998.749.5114.657.50-208
Credit Card Classic10.8214.248.2811.4717.997.5065
Home Equity - LOC4.548.043.503.974.753.25-57
Home Equity - 5 Yr5.038.993.504.276.002.25-75
Home Equity - 10 Yr5.348.993.844.987.253.25-36
Home Equity - 15 Yr5.628.994.245.417.254.26-20
15 Yr Fixed3.6514.7503.0003.6013.7502.908-5
20 Yr Fixed4.0325.2503.5004.1154.2503.3758
30 Yr Fixed4.2435.2503.7504.2894.5003.5345
1 Yr ARM3.1234.2501.5002.8533.7501.500-27
3/1 ARM3.5154.5002.6253.2973.7501.875-22
5/1 ARM3.6654.7502.7503.4454.2502.500-22
7/1 ARM3.8004.5002.7503.7534.2503.000-5
New RV - 60 Mo6.8010.993.395.389.241.99-143
Unsecured - 36 Mo11.3516.506.009.1412.995.90-221
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* Represents the difference in the average rate between banks and credit unions.