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 - $10k0.100.350.010.180.200.158
6 Mo CD - $10k0.160.650.010.250.350.109
1 Yr CD - $10k0.301.150.050.521.000.2022
18 Mo CD - $10k0.411.200.030.641.000.4524
2 Yr CD - $10k0.471.300.030.791.250.5133
30 Mo CD - $10k0.501.350.030.931.100.7543
3 Yr CD - $10k0.631.500.031.021.400.7639
4 Yr CD - $10k0.731.650.101.131.700.8140
5 Yr CD - $10k0.912.050.031.522.000.9562
1 Mo CD - $100k0.050.100.01    
2 Mo CD - $100k0.050.100.01    
3 Mo CD - $100k0.090.350.010.230.300.1513
6 Mo CD - $100k0.160.650.010.280.450.1012
1 Yr CD - $100k0.261.150.050.480.750.2022
2 Yr CD - $100k0.421.300.030.811.250.5639
3 Yr CD - $100k0.611.500.031.071.400.8146
Interest Checking - $5k0.060.200.010.080.200.053
Liquid IRA Account0.140.650.030.340.900.0820
Money Market - $2.5k0.110.800.010.190.300.108
Money Market - $10k0.150.800.010.230.350.108
Money Market - $25k0.170.800.010.260.350.1510
Money Market - $50k0.190.800.010.300.450.2011
Money Market - $100k0.210.850.010.340.550.2513
Money Market - $250k0.220.850.010.360.550.2514
Regular Savings - $1k0.141.000.010.130.250.04-1
New Car - 36 Mo3.694.742.442.573.252.00-112
New Car - 48 Mo3.735.002.442.683.252.24-105
New Car - 60 Mo3.785.002.442.773.252.24-102
New Car - 72 Mo4.105.252.743.133.502.24-97
Used Car - 36 Mo4.475.492.642.823.852.00-165
Used Car - 48 Mo4.475.492.642.933.852.24-154
Used Car - 60 Mo4.245.492.643.013.852.24-123
Used Car - 72 Mo4.575.993.593.293.852.24-128
New Boat - 60 Mo8.2210.994.255.687.994.49-254
Rewards Credit Card13.3717.9010.4910.3512.749.90-301
Credit Card Platinum13.6424.998.509.5810.908.50-405
Credit Card Classic13.2716.0010.7410.5013.908.90-278
Home Equity - LOC5.467.893.754.176.503.50-130
Home Equity - 5 Yr5.408.713.494.846.503.75-56
Home Equity - 10 Yr5.668.713.995.277.003.99-39
Home Equity - 15 Yr6.078.714.505.877.504.34-20
15 Yr Fixed3.8994.7503.2503.5323.5002.970-37
20 Yr Fixed4.2595.2503.7504.0094.2503.425-25
30 Yr Fixed4.3835.2503.7404.1754.3753.626-21
1 Yr ARM3.1894.0002.2502.5642.7502.250-62
3/1 ARM3.5534.0003.0003.4794.6252.500-7
5/1 ARM3.5904.2502.9723.5364.1252.750-5
7/1 ARM3.7754.5003.1253.9824.3753.59221
New RV - 60 Mo8.1310.744.255.467.994.49-267
Unsecured - 36 Mo10.2416.506.999.8214.008.25-42
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* Represents the difference in the average rate between banks and credit unions.