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 - $10k0.160.350.030.380.600.2522
6 Mo CD - $10k0.210.500.030.450.800.2524
1 Yr CD - $10k0.451.350.050.631.250.2518
18 Mo CD - $10k0.521.350.030.741.400.4523
2 Yr CD - $10k0.661.400.030.981.550.6531
30 Mo CD - $10k0.711.750.030.871.460.6515
3 Yr CD - $10k0.791.750.031.071.650.7528
4 Yr CD - $10k1.021.900.101.261.801.0025
5 Yr CD - $10k1.332.150.031.602.001.2526
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 - $5k0.090.750.010.140.350.054
Liquid IRA Account0.321.280.030.330.550.051
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 Mo4.448.242.793.185.451.99-126
New Car - 48 Mo4.598.242.793.335.452.39-126
New Car - 60 Mo4.818.242.793.335.452.39-148
New Car - 72 Mo4.705.753.543.755.452.69-95
Used Car - 36 Mo5.428.743.193.865.452.44-156
Used Car - 48 Mo5.779.753.193.985.452.94-179
Used Car - 60 Mo4.705.503.193.985.452.94-72
Used Car - 72 Mo   4.735.453.44 
New Boat - 60 Mo8.0810.005.007.139.505.14-95
Rewards Credit Card13.4914.9912.9911.5912.998.99-190
Credit Card Platinum11.3912.9910.999.9910.996.99-140
Credit Card Classic13.9913.9913.99    
Home Equity - LOC5.107.704.004.175.003.75-93
Home Equity - 5 Yr4.417.013.054.335.243.75-9
Home Equity - 10 Yr4.917.033.664.615.543.88-30
Home Equity - 15 Yr5.447.104.404.815.844.13-63
15 Yr Fixed3.3983.6252.8753.3893.5002.875-1
20 Yr Fixed3.7893.8753.5003.7523.6253.625-4
30 Yr Fixed3.9694.1253.6253.9674.1253.5000
1 Yr ARM2.9403.2502.3752.9792.8752.8754
3/1 ARM3.2354.0002.5002.7303.0001.875-51
5/1 ARM3.2233.5002.7503.1943.3752.625-3
7/1 ARM3.4403.6253.1253.5523.6253.37511
New RV - 60 Mo8.7912.507.247.879.505.14-92
Unsecured - 36 Mo10.8415.916.9911.7515.006.9991
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* Represents the difference in the average rate between banks and credit unions.