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 - $10k0.050.050.050.600.600.6055
6 Mo CD - $10k0.080.080.080.830.850.8075
1 Yr CD - $10k0.200.200.201.381.451.31118
18 Mo CD - $10k   1.791.971.60 
2 Yr CD - $10k0.300.300.301.641.761.51134
3 Yr CD - $10k0.450.450.451.811.851.76136
4 Yr CD - $10k0.700.700.701.912.001.81121
5 Yr CD - $10k1.201.201.202.192.252.1299
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.100.100.100.700.700.7060
6 Mo CD - $100k0.150.150.151.101.300.9095
1 Yr CD - $100k0.300.300.301.711.871.55141
2 Yr CD - $100k0.350.350.351.942.021.85159
3 Yr CD - $100k0.550.550.552.012.071.95146
Interest Checking - $5k0.030.030.030.280.350.2025
Liquid IRA Account0.030.030.030.961.260.6593
Money Market - $2.5k0.030.030.030.330.600.0530
Money Market - $10k0.050.050.050.350.650.0530
Money Market - $25k0.060.060.060.400.700.1034
Money Market - $50k0.060.060.060.430.750.1037
Money Market - $100k0.070.070.070.500.850.1543
Money Market - $250k0.070.070.070.530.900.1546
Regular Savings - $1k0.020.020.020.150.250.0513
New Car - 36 Mo4.004.004.001.892.291.49-211
New Car - 48 Mo4.254.254.252.472.692.24-179
New Car - 60 Mo4.504.504.502.842.992.69-166
New Car - 72 Mo4.634.634.633.123.242.99-151
Used Car - 36 Mo4.004.004.003.243.992.49-76
Used Car - 48 Mo4.254.254.253.524.292.74-74
Used Car - 60 Mo4.384.384.383.894.293.49-49
Used Car - 72 Mo4.754.754.754.795.593.994
New Boat - 60 Mo5.005.005.006.707.256.15170
Rewards Credit Card13.6215.2312.009.8710.249.49-375
Credit Card Platinum   8.7410.247.24 
Credit Card Classic16.0016.0016.0012.7412.7412.74-326
Home Equity - LOC4.254.254.254.755.254.2550
Home Equity - 5 Yr4.254.254.254.875.244.4962
Home Equity - 10 Yr4.384.384.385.145.544.7477
Home Equity - 15 Yr4.504.504.505.425.844.9992
15 Yr Fixed4.1013.9293.625 
20 Yr Fixed4.4124.2964.296 
30 Yr Fixed4.4524.3744.125 
1 Yr ARM4.5584.4734.473 
3/1 ARM3.2844.3912.000 
5/1 ARM3.6184.2192.750 
7/1 ARM4.2624.1794.179 
New RV - 60 Mo5.005.005.007.037.906.15203
Unsecured - 36 Mo7.138.256.008.699.997.39157
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* Represents the difference in the average rate between banks and credit unions.