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 - $10k0.130.450.030.360.700.2023
6 Mo CD - $10k0.210.550.050.510.900.2030
1 Yr CD - $10k0.341.000.080.761.450.3542
18 Mo CD - $10k0.511.350.100.911.970.3539
2 Yr CD - $10k0.461.250.100.971.760.5052
30 Mo CD - $10k0.240.500.151.031.200.7579
3 Yr CD - $10k0.781.600.251.201.850.6042
4 Yr CD - $10k0.531.500.201.442.001.1591
5 Yr CD - $10k1.312.250.301.682.301.2537
1 Mo CD - $100k0.050.100.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.050.100.030.530.700.3547
6 Mo CD - $100k0.230.700.050.651.300.2543
1 Yr CD - $100k0.341.050.100.941.870.4060
2 Yr CD - $100k0.280.400.151.122.020.5083
3 Yr CD - $100k0.731.400.301.382.071.0065
Interest Checking - $5k0.070.300.010.120.650.055
Liquid IRA Account0.140.300.020.601.500.1046
Money Market - $2.5k0.211.150.030.170.600.05-3
Money Market - $10k0.211.150.040.220.650.050
Money Market - $25k0.221.150.040.240.700.102
Money Market - $50k0.231.150.040.290.750.106
Money Market - $100k0.251.150.050.350.850.1510
Money Market - $250k0.251.150.050.370.900.1512
Regular Savings - $1k0.181.000.020.140.300.05-4
New Car - 36 Mo5.267.504.402.413.151.49-286
New Car - 48 Mo5.397.754.402.693.251.99-270
New Car - 60 Mo5.768.004.402.873.502.24-288
New Car - 72 Mo6.638.504.403.464.202.74-317
Used Car - 36 Mo5.858.754.402.763.991.79-309
Used Car - 48 Mo6.029.004.403.034.291.99-299
Used Car - 60 Mo6.789.254.403.224.292.39-355
Used Car - 72 Mo   3.885.592.75 
New Boat - 60 Mo5.355.994.406.189.904.0084
Rewards Credit Card14.2417.2411.249.5813.237.90-466
Credit Card Platinum11.2411.2411.248.9010.907.24-234
Credit Card Classic   12.3315.259.74 
Home Equity - LOC4.645.074.004.575.253.99-8
Home Equity - 5 Yr4.754.754.754.636.563.00-12
Home Equity - 10 Yr5.005.005.005.266.563.5026
Home Equity - 15 Yr5.255.255.255.226.563.50-3
15 Yr Fixed3.8444.2953.1253.7744.1253.250-7
20 Yr Fixed4.1304.3843.5004.2394.6253.62511
30 Yr Fixed4.2664.5003.8754.4184.8753.87515
1 Yr ARM2.5662.5002.3753.8374.4733.250127
3/1 ARM3.3283.7502.5003.5614.3912.00023
5/1 ARM3.4194.5842.6253.6694.2192.75025
7/1 ARM3.7454.6512.8753.8614.5003.00012
New RV - 60 Mo6.018.004.405.647.903.99-37
Unsecured - 36 Mo6.909.255.246.349.993.99-55
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* Represents the difference in the average rate between banks and credit unions.