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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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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 - $10k0.200.200.201.281.311.25108
18 Mo CD - $10k   1.401.401.40 
2 Yr CD - $10k0.300.300.301.531.551.51123
3 Yr CD - $10k0.450.450.451.711.761.65126
4 Yr CD - $10k0.700.700.701.811.811.80111
5 Yr CD - $10k1.201.201.202.062.122.0086
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.100.100.100.650.650.6555
6 Mo CD - $100k0.150.150.150.850.850.8570
1 Yr CD - $100k0.300.300.301.361.411.30106
2 Yr CD - $100k0.350.350.351.611.611.60126
3 Yr CD - $100k0.550.550.551.731.761.70118
Interest Checking - $5k0.030.030.030.280.350.2025
Liquid IRA Account0.030.030.030.911.260.5588
Money Market - $2.5k0.030.030.030.280.500.0525
Money Market - $10k0.050.050.050.300.550.0525
Money Market - $25k0.060.060.060.350.600.1029
Money Market - $50k0.060.060.060.380.650.1032
Money Market - $100k0.070.070.070.430.700.1536
Money Market - $250k0.070.070.070.450.750.1538
Regular Savings - $1k0.020.020.020.150.250.0513
New Car - 36 Mo4.004.004.001.741.991.49-226
New Car - 48 Mo4.254.254.252.322.392.24-194
New Car - 60 Mo4.504.504.502.692.992.39-181
New Car - 72 Mo4.634.634.632.973.242.69-166
Used Car - 36 Mo4.004.004.003.143.792.49-86
Used Car - 48 Mo4.254.254.253.373.992.74-89
Used Car - 60 Mo4.384.384.383.743.993.49-64
Used Car - 72 Mo4.754.754.754.645.293.99-11
New Boat - 60 Mo5.005.005.006.536.906.15153
Rewards Credit Card13.4914.9812.009.749.999.49-375
Credit Card Platinum   8.6210.246.99 
Credit Card Classic16.0016.0016.0012.7412.7412.74-326
Home Equity - LOC4.254.254.254.635.004.2538
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 Fixed3.3023.3012.875 
20 Yr Fixed3.9063.7923.792 
30 Yr Fixed3.9533.9973.500 
1 Yr ARM4.1184.0354.035 
3/1 ARM2.9693.8891.875 
5/1 ARM3.2413.6812.625 
7/1 ARM3.7883.7073.707 
New RV - 60 Mo5.005.005.006.857.556.15185
Unsecured - 36 Mo7.138.256.008.499.996.99137
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* Represents the difference in the average rate between banks and credit unions.