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 - $10k0.100.450.030.340.700.2024
6 Mo CD - $10k0.150.450.050.420.900.2027
1 Yr CD - $10k0.291.000.080.651.310.3536
18 Mo CD - $10k0.210.500.100.751.460.3554
2 Yr CD - $10k0.561.300.100.881.550.5032
30 Mo CD - $10k0.230.400.150.991.200.5077
3 Yr CD - $10k0.731.500.251.131.760.6040
4 Yr CD - $10k0.531.500.201.351.900.7581
5 Yr CD - $10k1.322.000.301.572.201.0025
1 Mo CD - $100k0.050.100.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.050.100.030.430.550.3037
6 Mo CD - $100k0.120.250.050.470.850.2035
1 Yr CD - $100k0.190.300.100.751.310.3556
2 Yr CD - $100k0.280.400.150.941.600.5066
3 Yr CD - $100k0.731.400.301.291.761.0055
Interest Checking - $5k0.070.300.010.120.650.035
Liquid IRA Account0.140.300.020.551.500.0141
Money Market - $2.5k0.180.900.030.170.600.05-1
Money Market - $10k0.190.900.040.210.600.052
Money Market - $25k0.190.900.040.230.700.104
Money Market - $50k0.200.900.040.280.700.108
Money Market - $100k0.230.900.050.330.700.1511
Money Market - $250k0.230.900.050.350.700.1512
Regular Savings - $1k0.130.450.020.130.300.011
New Car - 36 Mo5.267.504.402.363.151.49-291
New Car - 48 Mo5.397.754.402.623.251.99-277
New Car - 60 Mo5.768.004.402.813.501.99-295
New Car - 72 Mo6.638.504.403.384.202.24-325
Used Car - 36 Mo5.858.754.402.683.991.75-317
Used Car - 48 Mo6.029.004.402.953.991.99-307
Used Car - 60 Mo6.789.254.403.154.002.24-363
Used Car - 72 Mo   3.795.002.49 
New Boat - 60 Mo5.355.994.406.099.904.0074
Rewards Credit Card13.9616.9910.999.4612.987.90-450
Credit Card Platinum10.9410.9910.748.6510.246.74-229
Credit Card Classic   12.5515.259.98 
Home Equity - LOC4.585.074.004.375.253.50-21
Home Equity - 5 Yr4.754.754.754.666.563.00-9
Home Equity - 10 Yr5.005.005.004.926.563.50-8
Home Equity - 15 Yr5.255.255.254.996.563.50-26
15 Yr Fixed3.6113.8752.8753.5714.5003.000-4
20 Yr Fixed3.9324.1253.2503.9764.3503.6254
30 Yr Fixed4.1474.3753.6254.1944.5003.6255
1 Yr ARM2.5712.5002.3753.6414.0493.000107
3/1 ARM3.2053.7502.5003.2433.8741.8754
5/1 ARM3.2083.8752.6253.4643.7502.62526
7/1 ARM3.3824.2502.8753.6924.0003.00031
New RV - 60 Mo6.018.004.405.777.554.00-24
Unsecured - 36 Mo6.909.255.246.319.993.99-59
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* Represents the difference in the average rate between banks and credit unions.