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 - $10k0.140.800.010.220.600.027
6 Mo CD - $10k0.220.850.010.321.090.0210
1 Yr CD - $10k0.391.250.010.521.200.0513
18 Mo CD - $10k0.461.430.030.681.700.1022
2 Yr CD - $10k0.571.400.030.762.300.1019
30 Mo CD - $10k0.551.450.030.841.510.1030
3 Yr CD - $10k0.801.750.031.021.800.1521
4 Yr CD - $10k0.981.930.101.282.020.2030
5 Yr CD - $10k1.202.100.031.552.250.4534
1 Mo CD - $100k0.150.750.01    
2 Mo CD - $100k0.170.750.01    
3 Mo CD - $100k0.170.800.010.320.600.0515
6 Mo CD - $100k0.230.850.010.350.750.0512
1 Yr CD - $100k0.431.250.010.681.200.0524
2 Yr CD - $100k0.591.450.030.781.350.2518
3 Yr CD - $100k0.811.750.031.121.800.2530
Interest Checking - $5k0.070.600.010.100.250.013
Liquid IRA Account0.251.510.010.392.250.0214
Money Market - $2.5k0.080.750.010.150.500.028
Money Market - $10k0.100.750.010.190.600.028
Money Market - $25k0.130.750.010.230.670.0210
Money Market - $50k0.160.800.010.270.670.0211
Money Market - $100k0.200.850.010.321.000.0512
Money Market - $250k0.210.900.010.341.000.0513
Regular Savings - $1k0.080.650.010.111.000.014
New Car - 36 Mo3.636.022.492.497.991.74-114
New Car - 48 Mo3.695.952.492.597.991.74-110
New Car - 60 Mo3.735.922.492.687.991.74-105
New Car - 72 Mo3.604.792.793.037.991.74-58
Used Car - 36 Mo4.006.402.492.607.991.89-140
Used Car - 48 Mo4.056.292.492.707.991.89-135
Used Car - 60 Mo3.996.252.492.797.991.89-119
Used Car - 72 Mo3.725.042.893.167.991.99-56
New Boat - 60 Mo5.6810.593.054.057.991.99-163
Rewards Credit Card13.6217.9010.4910.3516.746.50-327
Credit Card Platinum10.9715.909.749.5114.995.74-146
Credit Card Classic11.4815.008.9012.4716.905.7498
Home Equity - LOC4.568.133.364.387.003.00-18
Home Equity - 5 Yr4.756.502.754.486.702.95-27
Home Equity - 10 Yr5.066.993.254.937.503.50-14
Home Equity - 15 Yr5.697.244.755.337.753.50-36
15 Yr Fixed3.5243.7502.8313.6004.1503.0008
20 Yr Fixed3.9974.2503.5294.0414.2503.3754
30 Yr Fixed4.1934.5003.7404.2364.6253.6254
1 Yr ARM3.4664.1251.8753.2663.7502.625-20
3/1 ARM3.5334.7502.7503.7574.5002.37522
5/1 ARM3.7825.8752.8753.6605.0002.375-12
7/1 ARM3.7835.7503.0003.8034.8752.8752
New RV - 60 Mo5.7610.593.054.057.991.99-171
Unsecured - 36 Mo10.8318.965.008.8516.004.49-198
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* Represents the difference in the average rate between banks and credit unions.