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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.110.450.030.360.700.2025
6 Mo CD - $10k0.150.450.050.470.900.2032
1 Yr CD - $10k0.291.000.080.691.310.3539
18 Mo CD - $10k0.451.350.100.831.770.3538
2 Yr CD - $10k0.381.250.100.941.550.5057
30 Mo CD - $10k0.240.500.151.031.200.7579
3 Yr CD - $10k0.861.600.251.141.760.6028
4 Yr CD - $10k0.531.500.201.361.900.7582
5 Yr CD - $10k1.282.000.301.622.251.0033
1 Mo CD - $100k0.050.100.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.050.100.030.480.650.3042
6 Mo CD - $100k0.230.700.050.561.000.2533
1 Yr CD - $100k0.341.050.100.841.610.4050
2 Yr CD - $100k0.280.400.151.041.820.5075
3 Yr CD - $100k0.731.400.301.311.921.0058
Interest Checking - $5k0.070.300.010.120.650.035
Liquid IRA Account0.140.300.020.571.500.1043
Money Market - $2.5k0.211.150.030.170.600.05-4
Money Market - $10k0.211.150.040.210.600.050
Money Market - $25k0.221.150.040.230.700.102
Money Market - $50k0.231.150.040.290.700.106
Money Market - $100k0.251.150.050.340.700.159
Money Market - $250k0.251.150.050.360.750.1511
Regular Savings - $1k0.181.000.020.140.300.05-4
New Car - 36 Mo5.267.504.402.393.151.49-287
New Car - 48 Mo5.397.754.402.663.251.99-272
New Car - 60 Mo5.768.004.402.853.502.24-291
New Car - 72 Mo6.638.504.403.424.202.69-321
Used Car - 36 Mo5.858.754.402.753.991.79-310
Used Car - 48 Mo6.029.004.403.013.991.99-301
Used Car - 60 Mo6.789.254.403.204.002.39-357
Used Car - 72 Mo   3.875.292.99 
New Boat - 60 Mo5.355.994.406.179.904.0082
Rewards Credit Card14.0217.2410.999.5112.987.90-451
Credit Card Platinum10.9910.9910.998.8310.656.99-217
Credit Card Classic   12.3015.259.49 
Home Equity - LOC4.585.074.004.435.253.75-15
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 Fixed3.5103.6252.8753.5054.3753.0000
20 Yr Fixed3.9674.0003.3754.0274.5003.1256
30 Yr Fixed4.0484.2503.6254.1494.5003.62510
1 Yr ARM2.5662.5002.3753.6034.0663.000104
3/1 ARM3.2113.7502.5003.3293.9031.87512
5/1 ARM3.2183.8752.6253.5423.8482.62532
7/1 ARM3.4004.2502.8753.6763.8083.00028
New RV - 60 Mo6.018.004.405.577.553.99-44
Unsecured - 36 Mo6.909.255.246.329.993.99-57
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* Represents the difference in the average rate between banks and credit unions.