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 - $10k0.130.610.010.331.000.0120
6 Mo CD - $10k0.251.250.010.491.050.0524
1 Yr CD - $10k0.461.450.050.801.480.1034
18 Mo CD - $10k0.601.600.050.871.800.1528
2 Yr CD - $10k0.661.750.101.021.800.2037
30 Mo CD - $10k0.761.750.101.051.650.2028
3 Yr CD - $10k0.832.000.121.211.860.2539
4 Yr CD - $10k1.022.080.151.472.090.4544
5 Yr CD - $10k1.282.170.151.732.400.3545
1 Mo CD - $100k0.090.300.010.250.300.2016
2 Mo CD - $100k0.100.300.010.300.300.3020
3 Mo CD - $100k0.140.610.010.471.000.0132
6 Mo CD - $100k0.291.250.010.611.100.0832
1 Yr CD - $100k0.531.450.051.031.480.2351
2 Yr CD - $100k0.701.750.101.241.800.3553
3 Yr CD - $100k0.871.510.121.371.900.2551
Interest Checking - $5k0.080.600.010.213.010.0113
Liquid IRA Account0.211.520.020.391.260.0418
Money Market - $2.5k0.110.500.010.241.000.0113
Money Market - $10k0.130.500.030.281.000.0314
Money Market - $25k0.180.720.030.331.000.0414
Money Market - $50k0.210.720.030.371.000.0415
Money Market - $100k0.240.720.030.411.000.0417
Money Market - $250k0.261.000.030.431.100.0416
Regular Savings - $1k0.100.500.010.161.260.016
New Car - 36 Mo4.328.902.342.205.251.24-212
New Car - 48 Mo4.448.902.522.365.501.59-208
New Car - 60 Mo4.558.902.552.555.751.79-200
New Car - 72 Mo4.658.002.552.916.001.99-174
Used Car - 36 Mo5.009.902.492.485.251.49-252
Used Car - 48 Mo5.018.002.742.625.501.59-239
Used Car - 60 Mo4.808.032.842.795.751.79-200
Used Car - 72 Mo4.286.253.253.286.001.99-99
New Boat - 60 Mo6.8412.003.395.669.241.99-118
Rewards Credit Card12.9118.159.259.9312.994.25-298
Credit Card Platinum11.8124.998.999.4514.906.99-236
Credit Card Classic11.1414.499.0011.2317.997.759
Home Equity - LOC4.738.293.504.215.253.25-53
Home Equity - 5 Yr5.239.243.504.336.252.25-90
Home Equity - 10 Yr5.619.244.105.007.253.25-61
Home Equity - 15 Yr5.759.244.505.467.254.26-29
15 Yr Fixed3.5614.2503.0003.4903.5002.875-7
20 Yr Fixed3.9314.2503.5003.9164.0003.375-1
30 Yr Fixed4.1235.0003.6254.0894.2503.500-3
1 Yr ARM3.0944.2501.5002.7734.2501.500-32
3/1 ARM3.5024.5002.6253.1923.6251.875-31
5/1 ARM3.6664.7502.7503.2903.8752.500-38
7/1 ARM3.8094.6252.8753.5793.8752.750-23
New RV - 60 Mo6.7210.993.395.529.241.99-120
Unsecured - 36 Mo11.1516.506.008.9112.994.99-224
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* Represents the difference in the average rate between banks and credit unions.