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 - $10k0.120.610.010.403.010.0129
6 Mo CD - $10k0.210.750.010.420.950.0521
1 Yr CD - $10k0.391.200.050.671.450.1028
18 Mo CD - $10k0.511.160.050.761.810.1525
2 Yr CD - $10k0.571.350.100.881.500.2031
30 Mo CD - $10k0.631.380.100.951.600.2032
3 Yr CD - $10k0.761.460.101.121.750.2537
4 Yr CD - $10k0.941.830.151.342.000.4540
5 Yr CD - $10k1.222.170.151.622.300.3540
1 Mo CD - $100k0.090.300.010.180.200.158
2 Mo CD - $100k0.110.300.010.150.150.154
3 Mo CD - $100k0.130.610.010.653.010.0151
6 Mo CD - $100k0.230.750.010.520.950.0829
1 Yr CD - $100k0.431.200.050.891.450.2346
2 Yr CD - $100k0.591.300.101.051.550.3546
3 Yr CD - $100k0.781.460.101.281.680.2550
Interest Checking - $5k0.070.600.010.193.010.0111
Liquid IRA Account0.201.020.020.371.260.0417
Money Market - $2.5k0.110.500.010.210.900.0110
Money Market - $10k0.130.500.010.240.900.0312
Money Market - $25k0.180.720.010.290.900.0411
Money Market - $50k0.210.720.030.330.900.0412
Money Market - $100k0.240.720.030.370.900.0414
Money Market - $250k0.261.000.030.391.000.0413
Regular Savings - $1k0.100.500.010.151.000.015
New Car - 36 Mo4.408.902.232.145.251.24-226
New Car - 48 Mo4.518.902.412.315.501.49-220
New Car - 60 Mo4.608.902.442.445.751.49-216
New Car - 72 Mo4.678.002.552.766.001.49-191
Used Car - 36 Mo5.069.902.492.345.251.45-272
Used Car - 48 Mo5.068.502.592.495.501.49-257
Used Car - 60 Mo4.818.502.642.665.751.49-215
Used Car - 72 Mo4.206.503.142.986.001.49-122
New Boat - 60 Mo7.0212.003.395.539.241.99-149
Rewards Credit Card12.4817.907.749.8114.653.75-267
Credit Card Platinum11.3424.998.499.3814.407.25-196
Credit Card Classic10.7913.998.2811.3517.997.2556
Home Equity - LOC4.417.803.493.884.503.25-53
Home Equity - 5 Yr5.009.743.244.166.001.99-84
Home Equity - 10 Yr5.319.743.844.927.253.25-39
Home Equity - 15 Yr5.619.744.145.357.253.99-26
15 Yr Fixed3.7354.7503.1253.6894.3752.908-5
20 Yr Fixed4.1095.2503.5004.1934.6253.3758
30 Yr Fixed4.3475.5003.6254.3514.8753.5340
1 Yr ARM3.2014.2501.5002.8113.7501.500-39
3/1 ARM3.5814.5002.6253.3014.0001.875-28
5/1 ARM3.7005.0002.7503.3943.8752.500-31
7/1 ARM3.8555.2502.8753.7514.3753.000-10
New RV - 60 Mo6.8310.993.395.399.241.90-144
Unsecured - 36 Mo11.2916.506.009.0412.995.90-225
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* Represents the difference in the average rate between banks and credit unions.