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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.220.850.010.371.360.0515
6 Mo CD - $10k0.371.100.010.551.520.0418
1 Yr CD - $10k0.611.500.010.841.660.0823
18 Mo CD - $10k0.721.550.050.981.770.0526
2 Yr CD - $10k0.821.810.051.112.000.0529
30 Mo CD - $10k0.831.710.051.301.900.0547
3 Yr CD - $10k0.982.000.051.352.010.0537
4 Yr CD - $10k1.112.100.101.522.170.0540
5 Yr CD - $10k1.262.200.151.832.610.0557
1 Mo CD - $100k0.150.900.010.170.350.052
2 Mo CD - $100k0.160.900.010.350.350.3519
3 Mo CD - $100k0.230.900.010.441.000.0521
6 Mo CD - $100k0.391.100.010.651.100.0526
1 Yr CD - $100k0.631.550.011.011.610.1038
2 Yr CD - $100k0.831.700.051.272.000.2545
3 Yr CD - $100k0.961.650.051.482.000.5051
Interest Checking - $5k0.111.250.010.120.650.011
Liquid IRA Account0.461.970.010.422.020.01-3
Money Market - $2.5k0.140.830.010.231.200.039
Money Market - $10k0.171.250.010.261.200.039
Money Market - $25k0.201.250.010.301.200.0310
Money Market - $50k0.251.500.010.341.200.038
Money Market - $100k0.331.500.010.371.200.034
Money Market - $250k0.371.500.010.381.200.032
Regular Savings - $1k0.140.850.010.181.510.014
New Car - 36 Mo4.6414.501.992.555.751.49-209
New Car - 48 Mo4.7011.252.242.676.501.49-203
New Car - 60 Mo4.7912.252.232.817.501.49-198
New Car - 72 Mo4.7013.252.433.188.751.49-152
Used Car - 36 Mo5.4414.502.182.786.001.49-266
Used Car - 48 Mo5.4913.752.202.887.001.49-260
Used Car - 60 Mo5.2012.252.593.017.751.49-219
Used Car - 72 Mo4.8013.252.653.385.991.99-142
New Boat - 60 Mo6.0514.502.745.0210.501.99-103
Rewards Credit Card14.5116.996.0010.6116.995.49-390
Credit Card Platinum11.3424.997.159.2414.754.90-210
Credit Card Classic11.8820.407.6510.7817.794.25-110
Home Equity - LOC5.328.564.004.617.503.50-71
Home Equity - 5 Yr5.5711.003.004.626.821.99-95
Home Equity - 10 Yr5.9011.003.754.977.083.38-93
Home Equity - 15 Yr5.919.044.005.268.003.50-66
15 Yr Fixed3.6916.0003.0003.6545.5002.950-4
20 Yr Fixed4.0396.2503.5004.0306.0003.375-1
30 Yr Fixed4.1926.2503.6204.2476.7503.6255
1 Yr ARM3.9305.2502.6253.2314.0662.500-70
3/1 ARM3.9456.5002.8753.3364.6251.875-61
5/1 ARM4.0197.2502.8753.4944.5002.625-53
7/1 ARM3.8045.7503.1253.7044.5002.875-10
New RV - 60 Mo6.0714.502.745.0311.501.99-104
Unsecured - 36 Mo9.2617.754.758.8313.303.45-44
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* Represents the difference in the average rate between banks and credit unions.