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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.191.500.010.321.110.1013
6 Mo CD - $10k0.290.800.010.461.310.0517
1 Yr CD - $10k0.512.000.010.731.420.1022
18 Mo CD - $10k0.571.400.050.811.560.4024
2 Yr CD - $10k0.761.500.051.011.770.1025
30 Mo CD - $10k0.771.500.051.161.350.7040
3 Yr CD - $10k0.901.610.051.261.990.2536
4 Yr CD - $10k0.981.710.101.512.410.2553
5 Yr CD - $10k1.272.250.251.742.610.2547
1 Mo CD - $100k0.120.450.01    
2 Mo CD - $100k0.130.480.010.050.050.05-8
3 Mo CD - $100k0.180.580.010.553.000.1037
6 Mo CD - $100k0.270.800.010.551.070.2029
1 Yr CD - $100k0.451.160.010.931.410.4048
2 Yr CD - $100k0.741.500.051.332.580.6558
3 Yr CD - $100k0.831.510.051.542.580.9071
Interest Checking - $5k0.131.000.010.120.350.01-1
Liquid IRA Account0.412.780.010.441.260.053
Money Market - $2.5k0.150.500.010.280.900.1013
Money Market - $10k0.170.750.010.310.900.1014
Money Market - $25k0.190.750.010.340.900.1514
Money Market - $50k0.241.200.010.370.900.1513
Money Market - $100k0.281.200.010.411.250.1513
Money Market - $250k0.301.200.010.411.250.1511
Regular Savings - $1k0.160.750.010.170.650.012
New Car - 36 Mo4.738.502.492.533.351.49-220
New Car - 48 Mo4.909.002.752.653.491.69-225
New Car - 60 Mo5.039.503.002.813.751.89-222
New Car - 72 Mo4.676.363.143.104.001.99-157
Used Car - 36 Mo5.809.752.492.905.151.49-290
Used Car - 48 Mo5.7810.252.753.025.151.69-276
Used Car - 60 Mo5.4210.753.003.135.001.89-229
Used Car - 72 Mo4.886.153.253.305.292.39-158
New Boat - 60 Mo6.5510.494.334.696.902.69-186
Rewards Credit Card12.2717.907.009.2712.746.25-300
Credit Card Platinum12.4324.998.008.4412.905.75-399
Credit Card Classic12.9517.909.9011.0115.257.00-194
Home Equity - LOC4.857.283.754.216.003.00-64
Home Equity - 5 Yr5.518.783.505.277.233.95-24
Home Equity - 10 Yr5.738.783.985.577.234.75-16
Home Equity - 15 Yr5.968.784.225.898.004.87-7
15 Yr Fixed3.6574.7503.1253.6444.1253.000-1
20 Yr Fixed4.0654.2503.6254.0584.5003.500-1
30 Yr Fixed4.2104.3753.8754.2384.5003.6253
1 Yr ARM2.7822.6252.625 
3/1 ARM3.5703.8753.1252.8764.0001.875-69
5/1 ARM3.7444.1253.0003.2023.5002.500-54
7/1 ARM4.0695.0003.5003.4443.7503.000-62
New RV - 60 Mo7.0910.494.224.897.552.69-220
Unsecured - 36 Mo9.2115.036.979.0618.006.20-15
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* Represents the difference in the average rate between banks and credit unions.