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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.450.030.330.700.2023
6 Mo CD - $10k0.150.450.050.390.900.2024
1 Yr CD - $10k0.220.450.090.621.260.3540
18 Mo CD - $10k0.200.500.100.711.460.3551
2 Yr CD - $10k0.361.300.100.841.510.4548
30 Mo CD - $10k0.240.400.150.891.000.5065
3 Yr CD - $10k0.761.750.251.051.660.5529
4 Yr CD - $10k0.531.500.201.301.900.7576
5 Yr CD - $10k1.102.000.301.482.170.7538
1 Mo CD - $100k0.070.200.03    
2 Mo CD - $100k0.040.050.030.150.150.1511
3 Mo CD - $100k0.070.200.030.400.550.2533
6 Mo CD - $100k0.110.250.050.470.850.2035
1 Yr CD - $100k0.210.350.100.731.260.3552
2 Yr CD - $100k0.280.400.150.931.550.5065
3 Yr CD - $100k0.731.400.301.261.661.0053
Interest Checking - $5k0.070.300.010.120.650.035
Liquid IRA Account0.140.300.020.551.500.0141
Money Market - $2.5k0.130.450.030.160.600.053
Money Market - $10k0.140.450.040.200.600.056
Money Market - $25k0.150.450.040.220.700.107
Money Market - $50k0.160.450.040.270.700.1012
Money Market - $100k0.180.450.050.320.700.1314
Money Market - $250k0.180.450.050.330.700.1515
Regular Savings - $1k0.130.450.020.130.300.011
New Car - 36 Mo5.267.504.402.253.151.49-302
New Car - 48 Mo5.397.754.402.493.151.74-289
New Car - 60 Mo5.768.004.402.673.501.99-309
New Car - 72 Mo6.638.504.403.194.202.24-344
Used Car - 36 Mo5.858.754.402.553.991.74-330
Used Car - 48 Mo6.029.004.402.873.991.74-316
Used Car - 60 Mo6.789.254.403.084.002.24-370
Used Car - 72 Mo   3.745.002.49 
New Boat - 60 Mo5.355.994.406.009.904.0065
Rewards Credit Card13.5816.4910.499.1512.487.90-444
Credit Card Platinum10.6410.7410.498.7810.247.25-186
Credit Card Classic10.2410.2410.2412.5115.259.48227
Home Equity - LOC4.665.074.504.095.003.50-57
Home Equity - 5 Yr4.754.754.754.366.563.00-39
Home Equity - 10 Yr5.005.005.004.926.564.24-8
Home Equity - 15 Yr5.255.255.255.276.633.502
15 Yr Fixed3.6664.0002.8753.6764.2503.0001
20 Yr Fixed4.0414.2503.5004.1574.5003.87512
30 Yr Fixed4.2204.3753.7504.3334.6253.87511
1 Yr ARM2.6972.6252.5003.6554.1033.00096
3/1 ARM3.1043.8752.5003.2783.9561.87517
5/1 ARM3.2264.0002.8753.4084.0002.62518
7/1 ARM3.4194.2503.0003.6074.2503.00019
New RV - 60 Mo6.018.004.405.687.354.00-33
Unsecured - 36 Mo6.909.255.246.439.993.99-46
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* Represents the difference in the average rate between banks and credit unions.