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 - $10k0.100.450.030.340.700.2024
6 Mo CD - $10k0.150.450.050.400.900.2024
1 Yr CD - $10k0.311.000.090.631.310.3532
18 Mo CD - $10k0.200.500.100.731.460.3553
2 Yr CD - $10k0.361.300.100.861.550.5050
30 Mo CD - $10k0.240.400.150.961.200.5072
3 Yr CD - $10k0.731.500.251.111.760.6037
4 Yr CD - $10k0.531.500.201.331.900.7579
5 Yr CD - $10k1.082.000.301.522.171.0044
1 Mo CD - $100k0.080.200.03    
2 Mo CD - $100k0.050.100.030.150.150.1510
3 Mo CD - $100k0.050.100.030.400.550.2535
6 Mo CD - $100k0.120.250.050.440.850.2032
1 Yr CD - $100k0.210.300.100.721.310.3551
2 Yr CD - $100k0.280.400.150.911.600.5062
3 Yr CD - $100k0.731.400.301.271.761.0054
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 - $10k0.190.900.040.200.600.051
Money Market - $25k0.190.900.040.220.700.103
Money Market - $50k0.200.900.040.270.700.107
Money Market - $100k0.230.900.050.320.700.159
Money Market - $250k0.230.900.050.330.700.1511
Regular Savings - $1k0.130.450.020.130.300.011
New Car - 36 Mo5.267.504.402.343.151.49-292
New Car - 48 Mo5.397.754.402.583.251.99-280
New Car - 60 Mo5.768.004.402.753.501.99-301
New Car - 72 Mo6.638.504.403.354.202.24-328
Used Car - 36 Mo5.858.754.402.693.991.75-315
Used Car - 48 Mo6.029.004.402.973.991.99-306
Used Car - 60 Mo6.789.254.403.164.002.24-362
Used Car - 72 Mo   3.855.292.49 
New Boat - 60 Mo5.355.994.406.099.904.0074
Rewards Credit Card13.6816.7410.749.3912.737.90-429
Credit Card Platinum10.6910.7410.498.7610.247.75-193
Credit Card Classic10.2410.2410.2412.5315.259.73229
Home Equity - LOC4.765.074.504.155.000.95-61
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 Fixed3.5953.8752.8753.5464.5003.000-5
20 Yr Fixed3.9734.2503.3754.0094.2503.6254
30 Yr Fixed4.1774.3753.7504.1754.5003.6250
1 Yr ARM2.5712.5002.3753.6414.0493.000107
3/1 ARM3.0033.7502.5003.2443.8741.87524
5/1 ARM3.2323.8752.7503.4193.7502.62519
7/1 ARM3.4374.2503.0003.5573.7503.00012
New RV - 60 Mo6.018.004.405.777.554.00-24
Unsecured - 36 Mo6.909.255.246.449.993.99-45
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* Represents the difference in the average rate between banks and credit unions.