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 - $10k0.100.350.010.280.350.2017
6 Mo CD - $10k0.190.700.010.270.600.108
1 Yr CD - $10k0.421.450.050.591.100.2017
18 Mo CD - $10k0.501.600.030.741.200.4524
2 Yr CD - $10k0.571.700.030.831.500.5126
30 Mo CD - $10k0.641.750.030.961.100.7532
3 Yr CD - $10k0.751.950.031.061.750.7631
4 Yr CD - $10k0.832.050.101.192.000.8135
5 Yr CD - $10k1.012.300.031.632.250.9562
1 Mo CD - $100k0.060.100.03    
2 Mo CD - $100k0.060.100.03    
3 Mo CD - $100k0.100.350.010.330.350.3022
6 Mo CD - $100k0.220.700.030.320.600.1010
1 Yr CD - $100k0.401.450.050.521.100.2013
2 Yr CD - $100k0.571.700.030.831.500.5627
3 Yr CD - $100k0.761.950.031.121.750.8137
Interest Checking - $5k0.060.200.010.080.200.053
Liquid IRA Account0.140.650.030.340.900.0820
Money Market - $2.5k0.121.010.010.190.300.107
Money Market - $10k0.161.010.010.240.350.108
Money Market - $25k0.181.010.010.270.350.159
Money Market - $50k0.201.010.010.300.450.2010
Money Market - $100k0.221.050.010.350.550.2512
Money Market - $250k0.231.050.010.370.550.2514
Regular Savings - $1k0.151.200.010.130.250.04-2
New Car - 36 Mo3.864.752.692.763.502.00-110
New Car - 48 Mo3.905.002.692.863.502.49-104
New Car - 60 Mo3.955.002.792.983.502.49-97
New Car - 72 Mo4.245.253.393.243.742.69-100
Used Car - 36 Mo4.645.503.043.014.102.00-163
Used Car - 48 Mo4.645.503.043.114.102.49-153
Used Car - 60 Mo4.455.493.043.234.102.49-121
Used Car - 72 Mo4.685.993.593.825.242.69-86
New Boat - 60 Mo7.8010.604.255.977.994.49-183
Rewards Credit Card13.7518.1510.9910.3212.999.50-343
Credit Card Platinum13.5624.999.009.8010.998.90-376
Credit Card Classic13.8116.0010.9910.2313.908.90-358
Home Equity - LOC5.728.294.254.276.503.50-144
Home Equity - 5 Yr5.669.243.494.696.503.75-97
Home Equity - 10 Yr5.959.243.994.827.003.95-112
Home Equity - 15 Yr6.399.244.505.677.504.34-72
15 Yr Fixed3.6424.0003.0003.3303.3752.970-31
20 Yr Fixed4.0104.2503.6253.7733.8753.425-24
30 Yr Fixed4.1565.0003.8753.9464.1253.626-21
1 Yr ARM3.1494.0002.0003.1703.4602.7502
3/1 ARM3.6114.0003.0003.6474.0002.7504
5/1 ARM3.5894.0002.7503.5553.7103.125-3
7/1 ARM3.7314.1253.1253.6033.5923.375-13
New RV - 60 Mo8.1010.744.255.607.994.49-250
Unsecured - 36 Mo10.0516.506.999.9314.008.25-12
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* Represents the difference in the average rate between banks and credit unions.