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 - $10k0.160.700.010.290.700.0313
6 Mo CD - $10k0.241.000.010.330.950.0310
1 Yr CD - $10k0.381.200.050.501.300.0512
18 Mo CD - $10k0.471.260.050.581.250.0511
2 Yr CD - $10k0.601.500.100.711.500.0510
30 Mo CD - $10k0.711.760.100.731.610.052
3 Yr CD - $10k0.801.700.100.921.510.0512
4 Yr CD - $10k0.971.920.151.141.920.0516
5 Yr CD - $10k1.212.170.151.412.260.0520
1 Mo CD - $100k0.160.550.02    
2 Mo CD - $100k0.100.300.03    
3 Mo CD - $100k0.180.610.010.360.650.0318
6 Mo CD - $100k0.250.710.010.390.700.0315
1 Yr CD - $100k0.381.010.050.631.300.0525
2 Yr CD - $100k0.601.500.100.901.500.2030
3 Yr CD - $100k0.771.360.101.081.500.3030
Interest Checking - $5k0.080.600.010.080.350.010
Liquid IRA Account0.362.170.020.371.310.030
Money Market - $2.5k0.100.650.010.150.500.035
Money Market - $10k0.140.800.010.210.700.057
Money Market - $25k0.180.800.010.250.800.057
Money Market - $50k0.210.800.010.300.800.059
Money Market - $100k0.271.010.010.350.850.058
Money Market - $250k0.291.010.010.360.850.057
Regular Savings - $1k0.090.650.010.110.650.012
New Car - 36 Mo4.518.051.792.735.991.89-178
New Car - 48 Mo4.608.051.892.956.491.89-165
New Car - 60 Mo4.688.051.993.096.991.95-159
New Car - 72 Mo4.717.752.393.397.491.95-132
Used Car - 36 Mo4.878.652.292.925.991.95-195
Used Car - 48 Mo4.978.652.643.156.491.95-182
Used Car - 60 Mo4.898.652.643.316.991.95-158
Used Car - 72 Mo4.876.403.343.567.492.49-131
New Boat - 60 Mo5.6110.592.994.196.951.99-142
Rewards Credit Card12.7617.908.5010.7713.407.75-199
Credit Card Platinum10.7215.909.009.6410.747.00-108
Credit Card Classic13.7317.889.9910.8214.907.74-291
Home Equity - LOC4.807.443.754.336.002.99-47
Home Equity - 5 Yr5.297.343.244.306.002.99-100
Home Equity - 10 Yr5.527.244.244.916.493.75-61
Home Equity - 15 Yr5.767.374.255.337.993.99-42
15 Yr Fixed3.6013.7503.0003.6694.2503.1857
20 Yr Fixed4.0294.5003.2504.1184.3753.6259
30 Yr Fixed4.2454.6253.7504.3354.5003.8559
1 Yr ARM3.8275.1252.8753.1253.7502.500-70
3/1 ARM3.6735.0002.6503.4184.1252.250-25
5/1 ARM3.6325.5002.6503.5764.5002.500-6
7/1 ARM3.8234.9003.0003.8314.5003.0001
New RV - 60 Mo5.5310.592.994.126.951.99-141
Unsecured - 36 Mo9.0918.003.409.8715.756.0078
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* Represents the difference in the average rate between banks and credit unions.