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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.140.300.010.330.500.2019
6 Mo CD - $10k0.190.500.010.410.700.2522
1 Yr CD - $10k0.411.350.050.541.050.2513
18 Mo CD - $10k0.511.350.030.691.150.4518
2 Yr CD - $10k0.711.400.030.941.450.6523
30 Mo CD - $10k0.601.350.030.821.260.6521
3 Yr CD - $10k0.751.750.031.051.560.7530
4 Yr CD - $10k1.001.750.101.251.761.0024
5 Yr CD - $10k1.322.150.031.541.801.2522
1 Mo CD - $100k0.070.150.01    
2 Mo CD - $100k0.030.050.01    
3 Mo CD - $100k0.090.200.010.550.550.5547
6 Mo CD - $100k0.140.250.010.730.750.7059
1 Yr CD - $100k0.361.350.051.131.151.1077
2 Yr CD - $100k0.511.400.051.481.551.4197
3 Yr CD - $100k0.631.250.101.661.661.65102
Interest Checking - $5k0.090.750.010.150.350.056
Liquid IRA Account0.250.790.030.320.500.057
Money Market - $2.5k0.070.100.010.180.400.0511
Money Market - $10k0.120.350.010.210.450.0510
Money Market - $25k0.130.350.010.260.500.1013
Money Market - $50k0.160.350.010.320.550.1516
Money Market - $100k0.170.400.010.360.650.2019
Money Market - $250k0.170.400.010.360.650.2019
Regular Savings - $1k0.070.300.010.130.250.056
New Car - 36 Mo4.508.242.442.744.451.79-175
New Car - 48 Mo4.658.242.442.864.451.99-179
New Car - 60 Mo4.878.242.442.864.451.99-201
New Car - 72 Mo4.705.753.543.374.752.29-133
Used Car - 36 Mo5.448.742.643.384.452.24-206
Used Car - 48 Mo5.769.752.643.464.452.74-230
Used Car - 60 Mo4.696.002.643.464.452.74-123
Used Car - 72 Mo   4.194.893.24 
New Boat - 60 Mo8.1710.005.007.029.504.64-116
Rewards Credit Card13.1114.9912.4911.3412.748.99-177
Credit Card Platinum10.9912.9910.7410.1810.748.49-81
Credit Card Classic11.4911.4911.49    
Home Equity - LOC4.907.553.503.834.503.50-106
Home Equity - 5 Yr4.337.013.124.264.743.75-7
Home Equity - 10 Yr4.927.033.504.425.043.88-51
Home Equity - 15 Yr5.417.104.254.675.344.13-74
15 Yr Fixed3.6313.8752.8753.6003.5003.125-3
20 Yr Fixed4.1014.1253.8754.0794.0003.875-2
30 Yr Fixed4.2114.3753.5004.2794.2503.8757
1 Yr ARM2.8543.0002.3752.9792.8752.87513
3/1 ARM3.2553.5003.0002.7323.0001.875-52
5/1 ARM3.3153.3752.9723.2963.7502.625-2
7/1 ARM3.4873.6253.0003.4393.6253.000-5
New RV - 60 Mo8.7812.507.247.759.504.64-103
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.