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 - $10k0.200.650.010.411.390.1521
6 Mo CD - $10k0.351.300.010.631.560.0528
1 Yr CD - $10k0.641.600.010.931.740.1029
18 Mo CD - $10k0.761.970.051.051.850.4528
2 Yr CD - $10k0.941.900.051.242.000.1029
30 Mo CD - $10k0.912.020.051.381.670.7047
3 Yr CD - $10k1.052.240.051.502.170.2544
4 Yr CD - $10k1.132.370.101.812.510.2568
5 Yr CD - $10k1.412.900.251.982.710.2557
1 Mo CD - $100k0.140.460.01    
2 Mo CD - $100k0.130.460.010.100.100.10-3
3 Mo CD - $100k0.210.580.010.461.300.1525
6 Mo CD - $100k0.381.300.010.801.350.3042
1 Yr CD - $100k0.641.550.011.181.870.5054
2 Yr CD - $100k0.871.860.051.502.170.7563
3 Yr CD - $100k1.002.220.051.782.431.0078
Interest Checking - $5k0.120.500.010.120.350.050
Liquid IRA Account0.442.780.010.501.260.056
Money Market - $2.5k0.180.500.010.301.250.1012
Money Market - $10k0.211.360.010.321.250.1011
Money Market - $25k0.251.360.010.361.250.1011
Money Market - $50k0.291.360.010.401.250.1511
Money Market - $100k0.331.360.010.451.250.1513
Money Market - $250k0.351.350.010.451.250.1511
Regular Savings - $1k0.170.750.010.200.650.014
New Car - 36 Mo4.788.992.492.623.511.49-215
New Car - 48 Mo5.009.002.752.753.741.49-226
New Car - 60 Mo5.129.503.002.923.991.49-221
New Car - 72 Mo4.696.003.253.244.251.49-145
Used Car - 36 Mo5.869.752.492.985.151.49-288
Used Car - 48 Mo5.8210.252.753.115.151.49-272
Used Car - 60 Mo5.4710.753.003.224.351.49-225
Used Car - 72 Mo4.186.003.253.525.591.49-66
New Boat - 60 Mo6.4310.494.334.607.252.69-183
Rewards Credit Card12.6517.907.509.1013.246.25-355
Credit Card Platinum12.5424.998.008.2112.904.90-433
Credit Card Classic13.0017.909.9011.4515.257.25-155
Home Equity - LOC5.066.504.254.646.003.75-43
Home Equity - 5 Yr5.298.453.505.427.233.9514
Home Equity - 10 Yr5.337.003.985.817.234.7547
Home Equity - 15 Yr5.746.644.226.198.004.9945
15 Yr Fixed3.9094.0003.3753.9924.3753.3008
20 Yr Fixed4.1764.2503.7504.2234.6253.6255
30 Yr Fixed4.3324.6254.0004.4104.7503.8758
1 Yr ARM3.1603.0003.000 
3/1 ARM3.7383.6253.6253.3294.7502.000-41
5/1 ARM4.0874.3753.3753.6424.2502.750-45
7/1 ARM4.3895.2503.5004.0424.5003.375-35
New RV - 60 Mo6.7810.494.224.757.902.69-203
Unsecured - 36 Mo9.3712.996.979.0718.004.99-30
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* Represents the difference in the average rate between banks and credit unions.