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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.350.010.430.500.3532
6 Mo CD - $10k0.200.700.010.350.750.2016
1 Yr CD - $10k0.542.000.050.791.790.2126
18 Mo CD - $10k0.632.050.030.871.250.5524
2 Yr CD - $10k0.692.100.031.012.000.5131
30 Mo CD - $10k0.681.900.031.131.750.7544
3 Yr CD - $10k0.872.200.031.332.120.7646
4 Yr CD - $10k0.962.250.101.272.100.8131
5 Yr CD - $10k1.252.550.031.962.501.5071
1 Mo CD - $100k0.060.100.03    
2 Mo CD - $100k0.060.100.03    
3 Mo CD - $100k0.110.350.020.480.500.4536
6 Mo CD - $100k0.220.700.030.420.750.2020
1 Yr CD - $100k0.622.000.050.631.300.261
2 Yr CD - $100k0.722.100.031.002.000.5628
3 Yr CD - $100k0.912.200.031.242.100.8133
Interest Checking - $5k0.060.250.010.080.200.052
Liquid IRA Account0.140.650.030.361.110.1022
Money Market - $2.5k0.131.250.010.270.800.1014
Money Market - $10k0.171.250.010.321.110.1015
Money Market - $25k0.191.250.010.361.110.1517
Money Market - $50k0.211.250.010.401.210.2019
Money Market - $100k0.241.300.010.461.310.2522
Money Market - $250k0.251.300.010.491.310.2524
Regular Savings - $1k0.191.500.010.140.250.04-5
New Car - 36 Mo3.924.752.792.783.502.00-114
New Car - 48 Mo3.965.002.792.933.502.49-103
New Car - 60 Mo4.025.002.793.003.502.49-102
New Car - 72 Mo4.225.253.493.213.502.49-101
Used Car - 36 Mo4.675.503.343.034.252.00-163
Used Car - 48 Mo4.675.503.343.184.252.49-148
Used Car - 60 Mo4.465.493.343.264.252.49-121
Used Car - 72 Mo4.344.743.893.544.252.49-80
New Boat - 60 Mo7.3510.604.256.197.994.49-116
Rewards Credit Card13.6315.2410.9910.4213.249.50-322
Credit Card Platinum14.5824.999.999.9411.249.15-464
Credit Card Classic14.0316.0011.2410.2313.908.90-380
Home Equity - LOC6.038.294.254.476.503.75-155
Home Equity - 5 Yr5.819.243.494.776.503.95-105
Home Equity - 10 Yr6.109.243.995.147.003.99-96
Home Equity - 15 Yr6.799.244.505.647.504.34-115
15 Yr Fixed4.1664.2953.5003.7893.8752.970-38
20 Yr Fixed4.1564.5001.0004.0594.2503.425-10
30 Yr Fixed4.5515.0004.1254.2874.5003.626-26
1 Yr ARM4.0054.0003.7503.5214.1602.750-48
3/1 ARM3.6904.7501.0003.6134.0002.750-8
5/1 ARM4.1304.5843.2503.9824.4103.375-15
7/1 ARM4.3284.6513.5003.9384.1253.592-39
New RV - 60 Mo7.7610.744.255.897.994.49-187
Unsecured - 36 Mo10.0316.505.989.6814.008.25-35
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* Represents the difference in the average rate between banks and credit unions.