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 - $10k0.180.580.010.310.900.1013
6 Mo CD - $10k0.290.800.010.450.950.0516
1 Yr CD - $10k0.491.260.010.681.150.1019
18 Mo CD - $10k0.561.290.050.811.340.4025
2 Yr CD - $10k0.721.550.050.961.600.1024
30 Mo CD - $10k0.761.550.051.091.350.7033
3 Yr CD - $10k0.901.760.051.211.860.2531
4 Yr CD - $10k0.982.020.101.472.190.2549
5 Yr CD - $10k1.312.250.251.672.380.2536
1 Mo CD - $100k0.130.450.01    
2 Mo CD - $100k0.191.100.010.100.100.10-9
3 Mo CD - $100k0.170.580.010.593.000.1041
6 Mo CD - $100k0.270.800.010.530.950.2026
1 Yr CD - $100k0.451.260.010.831.310.4038
2 Yr CD - $100k0.641.550.051.161.610.6552
3 Yr CD - $100k0.851.760.051.411.960.9057
Interest Checking - $5k0.120.400.010.120.350.010
Liquid IRA Account0.442.780.010.451.260.051
Money Market - $2.5k0.150.500.010.270.900.1012
Money Market - $10k0.181.110.010.300.900.1011
Money Market - $25k0.211.110.010.330.900.1513
Money Market - $50k0.271.110.010.370.900.1510
Money Market - $100k0.311.110.010.401.250.159
Money Market - $250k0.321.110.010.411.250.159
Regular Savings - $1k0.160.750.010.160.650.011
New Car - 36 Mo4.568.502.492.463.351.49-210
New Car - 48 Mo4.749.002.742.623.491.69-212
New Car - 60 Mo4.879.502.742.773.751.89-210
New Car - 72 Mo4.406.002.743.044.001.99-135
Used Car - 36 Mo5.739.752.492.775.151.49-296
Used Car - 48 Mo5.7310.252.752.925.151.69-281
Used Car - 60 Mo5.3010.753.003.035.001.89-227
Used Car - 72 Mo4.746.153.253.224.892.39-152
New Boat - 60 Mo6.5610.494.334.646.752.69-192
Rewards Credit Card12.2717.906.759.2512.746.25-302
Credit Card Platinum11.9124.998.008.6512.906.25-326
Credit Card Classic12.8917.909.9010.6915.255.25-220
Home Equity - LOC4.787.253.754.196.003.00-59
Home Equity - 5 Yr5.608.453.505.257.233.95-35
Home Equity - 10 Yr5.778.283.985.557.234.75-22
Home Equity - 15 Yr5.978.284.225.888.004.99-9
15 Yr Fixed3.7004.0003.1253.7084.0003.1251
20 Yr Fixed4.1374.3753.7504.1945.0003.7506
30 Yr Fixed4.3064.5003.8754.3584.5003.8755
1 Yr ARM2.7822.6252.625 
3/1 ARM3.5623.8753.1252.9024.1251.875-66
5/1 ARM3.7954.3753.0003.3363.6252.500-46
7/1 ARM4.1445.0003.6253.6183.8753.000-53
New RV - 60 Mo6.8610.494.224.867.352.69-200
Unsecured - 36 Mo9.2315.036.979.0218.006.20-21
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* Represents the difference in the average rate between banks and credit unions.