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 - $10k0.310.800.010.210.600.05-10
6 Mo CD - $10k0.481.100.010.530.960.104
1 Yr CD - $10k0.771.500.050.751.650.10-2
18 Mo CD - $10k0.932.000.051.041.970.3511
2 Yr CD - $10k1.082.000.201.092.000.201
30 Mo CD - $10k1.262.320.150.931.350.50-34
3 Yr CD - $10k1.322.110.201.241.860.35-8
4 Yr CD - $10k1.522.520.251.482.000.45-4
5 Yr CD - $10k1.692.680.351.682.300.45-1
1 Mo CD - $100k0.200.500.050.150.150.15-5
2 Mo CD - $100k0.140.290.05    
3 Mo CD - $100k0.330.800.010.350.700.252
6 Mo CD - $100k0.481.040.010.731.300.4025
1 Yr CD - $100k0.771.500.051.151.870.6538
2 Yr CD - $100k1.061.750.201.462.100.9540
3 Yr CD - $100k1.352.070.201.542.071.1519
Interest Checking - $5k0.150.600.010.130.350.02-2
Liquid IRA Account0.691.960.030.361.260.05-33
Money Market - $2.5k0.200.850.010.170.600.05-3
Money Market - $10k0.240.850.040.190.650.05-5
Money Market - $25k0.271.000.050.230.700.07-5
Money Market - $50k0.321.150.050.270.750.07-5
Money Market - $100k0.381.350.050.280.850.07-10
Money Market - $250k0.431.450.050.280.900.07-14
Regular Savings - $1k0.180.950.010.191.260.031
New Car - 36 Mo4.427.002.292.794.241.49-163
New Car - 48 Mo4.567.002.392.924.501.94-163
New Car - 60 Mo4.676.752.393.045.501.94-162
New Car - 72 Mo4.746.992.493.486.001.94-126
Used Car - 36 Mo4.797.002.793.195.501.94-160
Used Car - 48 Mo4.927.002.893.265.501.94-165
Used Car - 60 Mo4.967.002.893.355.501.94-161
Used Car - 72 Mo4.716.252.993.916.001.94-80
New Boat - 60 Mo5.7510.603.894.387.841.94-137
Rewards Credit Card13.1617.249.9910.1716.956.25-299
Credit Card Platinum11.2216.409.998.9510.246.25-227
Credit Card Classic14.4120.248.5012.3017.998.50-211
Home Equity - LOC5.218.004.004.585.503.75-63
Home Equity - 5 Yr5.408.504.004.305.253.25-109
Home Equity - 10 Yr6.007.454.755.136.754.25-87
Home Equity - 15 Yr5.956.854.755.395.844.50-56
15 Yr Fixed3.8455.2503.2504.1275.7503.30028
20 Yr Fixed4.0605.5001.0004.4916.0003.75043
30 Yr Fixed4.3235.7504.0004.3034.5003.875-2
1 Yr ARM4.4145.6103.2504.5924.4734.37518
3/1 ARM4.1784.7501.0003.6924.3912.000-49
5/1 ARM4.3876.3003.1254.0314.7502.750-36
7/1 ARM4.0615.0003.5004.6274.7504.17957
New RV - 60 Mo5.7710.603.894.778.501.99-100
Unsecured - 36 Mo9.8514.506.848.6513.254.49-120
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* Represents the difference in the average rate between banks and credit unions.