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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.350.030.380.600.2522
6 Mo CD - $10k0.210.500.030.450.800.2524
1 Yr CD - $10k0.451.350.050.631.250.2518
18 Mo CD - $10k0.611.650.030.741.400.4514
2 Yr CD - $10k0.661.400.031.081.550.6542
30 Mo CD - $10k0.801.750.030.871.460.656
3 Yr CD - $10k0.791.750.031.071.650.7528
4 Yr CD - $10k1.021.900.101.261.801.0025
5 Yr CD - $10k1.312.150.031.662.251.2535
1 Mo CD - $100k0.100.150.05    
2 Mo CD - $100k0.050.050.05    
3 Mo CD - $100k0.100.200.030.650.650.6555
6 Mo CD - $100k0.160.250.030.780.850.7062
1 Yr CD - $100k0.411.350.051.281.301.2687
2 Yr CD - $100k0.591.400.031.611.611.60102
3 Yr CD - $100k0.711.250.031.681.701.6697
Interest Checking - $5k0.100.750.010.140.350.054
Liquid IRA Account0.220.700.030.330.550.0511
Money Market - $2.5k0.070.100.010.190.500.0512
Money Market - $10k0.110.350.010.230.550.0512
Money Market - $25k0.130.350.010.280.600.1014
Money Market - $50k0.160.350.010.330.650.1518
Money Market - $100k0.170.400.010.370.700.2020
Money Market - $250k0.170.400.010.380.750.2020
Regular Savings - $1k0.070.300.010.130.250.056
New Car - 36 Mo4.468.242.793.165.451.99-130
New Car - 48 Mo4.618.242.793.295.452.39-132
New Car - 60 Mo4.938.242.793.295.452.39-165
New Car - 72 Mo4.705.753.543.695.452.69-100
Used Car - 36 Mo5.418.743.093.765.452.59-165
Used Car - 48 Mo5.769.753.093.865.452.99-190
Used Car - 60 Mo4.685.503.093.865.452.99-82
Used Car - 72 Mo   4.735.453.44 
New Boat - 60 Mo8.0810.005.007.229.755.14-86
Rewards Credit Card13.4914.9912.9912.4916.998.99-100
Credit Card Platinum11.3912.9910.9910.1910.996.99-120
Credit Card Classic13.9913.9913.99    
Home Equity - LOC5.087.704.004.215.003.75-87
Home Equity - 5 Yr4.467.013.054.425.243.75-4
Home Equity - 10 Yr4.857.033.664.665.543.88-19
Home Equity - 15 Yr5.387.104.404.915.844.13-47
15 Yr Fixed3.5473.7502.8753.5303.6253.000-2
20 Yr Fixed3.8424.0003.5003.8463.7503.6250
30 Yr Fixed4.0154.2503.6254.1074.2503.6259
1 Yr ARM3.0633.5002.3752.9792.8752.875-8
3/1 ARM3.3454.1252.5002.7303.0001.875-62
5/1 ARM3.3743.7502.7503.1943.3752.625-18
7/1 ARM3.6013.7503.2503.6183.7503.3752
New RV - 60 Mo8.7912.507.248.3110.505.14-48
Unsecured - 36 Mo10.9115.916.9911.7515.006.9983
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* Represents the difference in the average rate between banks and credit unions.