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 - $10k0.180.650.010.310.900.0513
6 Mo CD - $10k0.311.050.010.451.050.0414
1 Yr CD - $10k0.521.420.010.691.600.0817
18 Mo CD - $10k0.611.500.050.781.350.2017
2 Yr CD - $10k0.711.750.050.951.650.1524
30 Mo CD - $10k0.751.550.051.171.900.3542
3 Yr CD - $10k0.871.800.051.221.950.2035
4 Yr CD - $10k1.002.010.101.402.120.2540
5 Yr CD - $10k1.182.260.151.712.500.3552
1 Mo CD - $100k0.130.670.010.170.350.054
2 Mo CD - $100k0.130.400.010.350.350.3522
3 Mo CD - $100k0.200.710.010.371.000.0517
6 Mo CD - $100k0.331.000.010.541.100.0521
1 Yr CD - $100k0.541.300.010.821.260.1028
2 Yr CD - $100k0.731.550.051.111.660.2539
3 Yr CD - $100k0.871.800.051.321.760.5046
Interest Checking - $5k0.101.000.010.110.650.011
Liquid IRA Account0.441.970.010.402.020.05-4
Money Market - $2.5k0.130.830.010.221.010.019
Money Market - $10k0.151.000.010.241.010.0310
Money Market - $25k0.181.000.010.291.010.0310
Money Market - $50k0.231.000.010.321.010.039
Money Market - $100k0.291.290.010.351.010.036
Money Market - $250k0.321.290.010.361.010.034
Regular Savings - $1k0.130.810.010.171.510.014
New Car - 36 Mo4.4113.502.242.485.750.99-193
New Car - 48 Mo4.4610.002.242.586.501.50-187
New Car - 60 Mo4.5510.002.232.707.501.74-185
New Car - 72 Mo4.478.002.433.108.751.75-137
Used Car - 36 Mo5.2013.752.182.666.001.49-253
Used Car - 48 Mo5.2213.752.202.777.001.50-245
Used Car - 60 Mo4.9711.742.592.907.751.74-207
Used Car - 72 Mo4.549.752.793.265.991.90-128
New Boat - 60 Mo5.9113.502.994.9110.501.99-100
Rewards Credit Card14.0617.906.7510.3916.906.24-367
Credit Card Platinum10.8624.996.658.9411.405.24-193
Credit Card Classic11.7819.908.6510.7117.793.75-107
Home Equity - LOC4.978.413.254.277.503.50-71
Home Equity - 5 Yr5.4411.003.504.606.901.99-84
Home Equity - 10 Yr5.8111.003.854.987.153.25-83
Home Equity - 15 Yr5.928.884.505.268.003.25-66
15 Yr Fixed3.7335.8002.6253.7435.3752.9901
20 Yr Fixed4.0805.7503.1254.2235.9993.55014
30 Yr Fixed4.3126.2503.6254.4226.2503.75011
1 Yr ARM3.7265.0002.6253.3494.1032.500-38
3/1 ARM3.8335.2503.0003.4924.8751.875-34
5/1 ARM3.8535.5002.8753.3874.5002.625-47
7/1 ARM3.7945.8753.0003.6144.5002.875-18
New RV - 60 Mo5.9913.502.994.8611.501.99-113
Unsecured - 36 Mo9.2017.754.758.8012.553.45-40
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* Represents the difference in the average rate between banks and credit unions.