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 - $10k0.120.340.010.330.900.1521
6 Mo CD - $10k0.351.290.010.591.000.2524
1 Yr CD - $10k0.591.500.011.011.350.4543
18 Mo CD - $10k0.601.580.051.121.310.5052
2 Yr CD - $10k0.741.650.051.261.500.7552
30 Mo CD - $10k0.481.680.051.461.801.0098
3 Yr CD - $10k0.931.900.051.572.001.1064
4 Yr CD - $10k1.062.100.101.872.101.3081
5 Yr CD - $10k1.462.550.252.322.601.6587
1 Mo CD - $100k0.100.250.010.100.100.100
2 Mo CD - $100k0.090.250.01    
3 Mo CD - $100k0.120.390.010.370.900.1524
6 Mo CD - $100k0.260.670.010.600.950.3033
1 Yr CD - $100k0.481.500.011.051.350.5056
2 Yr CD - $100k0.621.650.051.321.610.9570
3 Yr CD - $100k0.811.900.051.591.751.2578
Interest Checking - $5k0.070.300.010.090.500.022
Liquid IRA Account0.371.150.030.271.100.05-10
Money Market - $2.5k0.191.300.010.190.900.050
Money Market - $10k0.201.300.010.220.900.052
Money Market - $25k0.241.300.010.280.900.104
Money Market - $50k0.251.300.010.290.900.104
Money Market - $100k0.301.300.010.330.900.103
Money Market - $250k0.321.300.010.371.000.105
Regular Savings - $1k0.241.200.010.141.100.03-10
New Car - 36 Mo4.156.252.992.803.491.98-134
New Car - 48 Mo4.206.252.992.823.491.98-137
New Car - 60 Mo4.276.252.992.853.491.98-142
New Car - 72 Mo4.596.493.143.063.741.99-153
Used Car - 36 Mo4.416.252.992.853.491.99-155
Used Car - 48 Mo4.466.252.992.873.491.99-158
Used Car - 60 Mo4.526.252.992.903.491.99-163
Used Car - 72 Mo4.306.003.493.103.491.99-120
New Boat - 60 Mo6.3510.594.254.635.993.49-172
Rewards Credit Card13.4618.158.6510.5913.758.74-287
Credit Card Platinum11.9016.158.258.639.905.74-327
Credit Card Classic13.0816.9010.2410.5715.995.74-251
Home Equity - LOC5.197.884.004.315.252.99-88
Home Equity - 5 Yr5.667.004.694.476.002.99-120
Home Equity - 10 Yr5.666.254.945.036.103.99-63
Home Equity - 15 Yr6.016.495.285.256.154.14-76
15 Yr Fixed3.5543.8753.1253.4363.7503.000-12
20 Yr Fixed3.9734.3753.5003.9014.1253.375-7
30 Yr Fixed4.1524.3753.8754.0834.2503.750-7
1 Yr ARM3.4043.8752.625 
3/1 ARM3.3764.1252.8753.5944.1252.37522
5/1 ARM3.5174.0003.1253.1924.3752.625-32
7/1 ARM3.7274.0003.3753.4944.6252.875-23
New RV - 60 Mo6.5110.594.254.565.993.49-194
Unsecured - 36 Mo9.6912.447.508.6313.255.24-106
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* Represents the difference in the average rate between banks and credit unions.