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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.700.010.300.700.0313
6 Mo CD - $10k0.261.000.010.361.000.0310
1 Yr CD - $10k0.421.260.050.531.500.0510
18 Mo CD - $10k0.531.400.050.651.800.0512
2 Yr CD - $10k0.651.500.100.731.700.058
30 Mo CD - $10k0.721.660.100.721.660.050
3 Yr CD - $10k0.871.850.100.952.000.058
4 Yr CD - $10k1.041.920.151.152.000.0511
5 Yr CD - $10k1.272.270.151.432.260.0516
1 Mo CD - $100k0.150.550.02    
2 Mo CD - $100k0.100.300.03    
3 Mo CD - $100k0.190.610.010.390.650.0320
6 Mo CD - $100k0.270.750.010.430.750.0317
1 Yr CD - $100k0.411.010.050.671.500.0526
2 Yr CD - $100k0.621.300.100.901.700.2028
3 Yr CD - $100k0.841.850.101.142.000.3030
Interest Checking - $5k0.080.600.010.080.400.010
Liquid IRA Account0.372.170.020.361.310.03-1
Money Market - $2.5k0.121.010.010.170.700.035
Money Market - $10k0.151.010.010.210.800.056
Money Market - $25k0.201.010.010.250.900.056
Money Market - $50k0.231.010.010.310.900.058
Money Market - $100k0.291.210.010.360.950.057
Money Market - $250k0.321.260.010.370.950.056
Regular Savings - $1k0.100.700.010.110.700.012
New Car - 36 Mo4.558.051.792.845.991.89-172
New Car - 48 Mo4.628.051.893.046.491.89-158
New Car - 60 Mo4.738.051.993.206.991.99-154
New Car - 72 Mo4.747.752.393.487.492.25-126
Used Car - 36 Mo4.958.652.293.015.992.19-194
Used Car - 48 Mo5.068.652.753.226.492.24-184
Used Car - 60 Mo4.968.652.843.396.992.29-158
Used Car - 72 Mo4.936.653.343.647.492.74-129
New Boat - 60 Mo5.6510.593.254.286.952.85-136
Rewards Credit Card12.9618.158.7511.0013.657.90-196
Credit Card Platinum11.0116.158.999.9110.997.00-109
Credit Card Classic14.0417.889.9910.9414.907.74-310
Home Equity - LOC4.937.513.754.496.003.25-44
Home Equity - 5 Yr5.337.343.244.326.003.49-101
Home Equity - 10 Yr5.627.244.244.916.493.99-71
Home Equity - 15 Yr5.737.374.255.347.994.25-39
15 Yr Fixed3.5053.7502.8753.5343.7383.1253
20 Yr Fixed3.9074.3753.2503.9534.1253.5005
30 Yr Fixed4.1084.3753.5004.1694.5003.7506
1 Yr ARM3.6865.1252.8753.2703.7502.750-42
3/1 ARM3.5165.0002.5003.4134.0002.750-10
5/1 ARM3.6895.5002.6253.5754.3752.625-11
7/1 ARM3.8184.9002.7503.7914.5002.875-3
New RV - 60 Mo5.5710.593.254.216.952.85-136
Unsecured - 36 Mo9.1518.003.409.9015.756.0075
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* Represents the difference in the average rate between banks and credit unions.