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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.180.600.010.341.280.1015
6 Mo CD - $10k0.300.800.010.481.430.0518
1 Yr CD - $10k0.532.000.010.781.570.1025
18 Mo CD - $10k0.581.210.050.891.700.4030
2 Yr CD - $10k0.801.700.051.041.900.1024
30 Mo CD - $10k0.791.500.051.181.420.7039
3 Yr CD - $10k0.911.610.051.302.070.2539
4 Yr CD - $10k0.981.710.101.542.410.2556
5 Yr CD - $10k1.282.250.251.782.610.2550
1 Mo CD - $100k0.120.450.01    
2 Mo CD - $100k0.120.450.010.050.050.05-7
3 Mo CD - $100k0.180.580.010.310.900.1013
6 Mo CD - $100k0.280.800.010.571.070.2029
1 Yr CD - $100k0.481.200.011.001.410.4052
2 Yr CD - $100k0.761.500.051.321.760.6556
3 Yr CD - $100k0.841.510.051.582.280.9073
Interest Checking - $5k0.131.000.010.120.350.01-1
Liquid IRA Account0.442.780.010.451.260.051
Money Market - $2.5k0.160.500.010.280.900.1012
Money Market - $10k0.191.000.010.300.900.1011
Money Market - $25k0.211.000.010.330.900.1012
Money Market - $50k0.261.200.010.370.900.1511
Money Market - $100k0.301.200.010.401.250.1510
Money Market - $250k0.321.200.010.401.250.158
Regular Savings - $1k0.160.750.010.170.650.011
New Car - 36 Mo4.718.501.952.563.351.49-215
New Car - 48 Mo4.889.001.952.693.491.69-219
New Car - 60 Mo5.019.501.962.853.751.89-216
New Car - 72 Mo4.586.001.973.134.001.99-145
Used Car - 36 Mo5.829.751.932.885.151.49-294
Used Car - 48 Mo5.8110.251.933.025.151.69-279
Used Car - 60 Mo5.3710.751.943.114.351.89-226
Used Car - 72 Mo4.526.151.953.314.492.39-120
New Boat - 60 Mo6.5510.494.334.736.902.69-181
Rewards Credit Card12.3417.907.009.3112.996.25-304
Credit Card Platinum12.5224.998.008.3212.905.75-421
Credit Card Classic12.9017.909.9011.3215.257.25-158
Home Equity - LOC4.938.003.754.396.003.50-54
Home Equity - 5 Yr5.539.243.505.287.233.95-25
Home Equity - 10 Yr5.699.243.985.577.234.75-11
Home Equity - 15 Yr5.949.244.225.898.004.87-5
15 Yr Fixed3.6143.8753.0003.6804.0003.0007
20 Yr Fixed4.0604.2503.6254.0254.2503.500-4
30 Yr Fixed4.1984.3753.8754.2414.5003.6254
1 Yr ARM2.7822.6252.625 
3/1 ARM3.5913.6253.3752.8764.1251.875-72
5/1 ARM3.7384.0003.3753.3374.0002.500-40
7/1 ARM4.0915.2503.5003.6854.0003.000-41
New RV - 60 Mo7.0510.494.224.927.552.69-213
Unsecured - 36 Mo9.3715.036.979.1418.006.20-23
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* Represents the difference in the average rate between banks and credit unions.