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 - $10k0.120.340.010.351.000.1523
6 Mo CD - $10k0.361.270.010.611.050.3025
1 Yr CD - $10k0.621.500.011.051.350.5044
18 Mo CD - $10k0.651.610.051.191.500.8054
2 Yr CD - $10k0.781.650.051.301.500.8052
30 Mo CD - $10k0.501.680.051.511.801.00101
3 Yr CD - $10k0.962.000.051.622.001.1067
4 Yr CD - $10k1.092.000.101.922.101.5583
5 Yr CD - $10k1.482.400.252.372.601.6589
1 Mo CD - $100k0.100.250.010.100.100.100
2 Mo CD - $100k0.090.250.01    
3 Mo CD - $100k0.120.390.010.381.000.1526
6 Mo CD - $100k0.280.670.010.611.050.3033
1 Yr CD - $100k0.501.500.011.071.350.5057
2 Yr CD - $100k0.671.650.051.341.610.9567
3 Yr CD - $100k0.841.900.051.632.001.2579
Interest Checking - $5k0.080.300.010.100.500.022
Liquid IRA Account0.371.200.030.271.100.05-10
Money Market - $2.5k0.191.300.010.201.000.050
Money Market - $10k0.201.300.010.221.000.052
Money Market - $25k0.241.300.010.281.000.104
Money Market - $50k0.251.300.010.301.000.104
Money Market - $100k0.311.300.010.341.000.103
Money Market - $250k0.331.300.010.371.100.104
Regular Savings - $1k0.261.200.010.141.100.03-12
New Car - 36 Mo4.196.252.992.963.491.98-122
New Car - 48 Mo4.166.252.992.983.491.98-118
New Car - 60 Mo4.306.252.993.023.491.98-128
New Car - 72 Mo4.436.003.143.223.742.48-121
Used Car - 36 Mo4.486.252.993.023.492.14-146
Used Car - 48 Mo4.456.252.993.043.492.38-141
Used Car - 60 Mo4.606.252.993.073.492.38-152
Used Car - 72 Mo4.546.003.443.273.542.74-127
New Boat - 60 Mo6.4210.604.504.735.993.49-168
Rewards Credit Card13.4818.158.6510.6213.758.74-286
Credit Card Platinum11.9516.158.258.729.905.99-323
Credit Card Classic12.5316.9010.2410.1115.995.99-242
Home Equity - LOC5.297.884.254.355.252.99-94
Home Equity - 5 Yr5.667.004.694.566.002.99-111
Home Equity - 10 Yr5.666.254.945.186.253.99-48
Home Equity - 15 Yr6.016.495.285.446.494.50-57
15 Yr Fixed3.5143.6253.1253.4233.8753.000-9
20 Yr Fixed3.8454.0003.5003.8284.0003.375-2
30 Yr Fixed4.0324.1253.7504.0274.2503.6250
1 Yr ARM3.2983.8752.375 
3/1 ARM3.2373.6252.7503.6654.2502.37543
5/1 ARM3.4993.8752.8753.1874.1252.500-31
7/1 ARM3.5953.8753.0003.4134.5002.750-18
New RV - 60 Mo6.5110.604.254.655.993.49-186
Unsecured - 36 Mo9.9312.447.508.7213.255.24-121
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* Represents the difference in the average rate between banks and credit unions.