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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.130.340.010.401.000.1527
6 Mo CD - $10k0.371.350.010.661.050.3028
1 Yr CD - $10k0.671.700.011.111.500.5044
18 Mo CD - $10k0.701.700.051.221.310.8052
2 Yr CD - $10k0.811.800.051.331.550.8051
30 Mo CD - $10k0.511.680.051.562.001.00105
3 Yr CD - $10k0.962.050.051.662.001.1070
4 Yr CD - $10k1.092.200.101.922.101.5583
5 Yr CD - $10k1.502.400.252.412.801.6591
1 Mo CD - $100k0.100.250.010.100.100.100
2 Mo CD - $100k0.090.250.01    
3 Mo CD - $100k0.120.390.010.441.000.1531
6 Mo CD - $100k0.290.670.010.681.050.3039
1 Yr CD - $100k0.561.700.011.171.500.5060
2 Yr CD - $100k0.701.750.051.401.650.9570
3 Yr CD - $100k0.841.900.051.702.001.2587
Interest Checking - $5k0.080.300.010.100.500.022
Liquid IRA Account0.381.250.030.281.100.05-10
Money Market - $2.5k0.191.300.010.201.100.051
Money Market - $10k0.201.300.010.221.100.053
Money Market - $25k0.241.300.010.281.100.105
Money Market - $50k0.251.300.010.301.100.105
Money Market - $100k0.311.300.010.351.100.105
Money Market - $250k0.331.300.010.401.200.107
Regular Savings - $1k0.271.300.010.141.100.03-13
New Car - 36 Mo3.966.252.993.003.491.88-95
New Car - 48 Mo4.096.252.993.023.491.88-107
New Car - 60 Mo4.156.252.993.063.491.88-110
New Car - 72 Mo4.466.003.443.293.742.38-116
Used Car - 36 Mo4.436.252.993.073.492.18-136
Used Car - 48 Mo4.486.252.993.093.492.18-139
Used Car - 60 Mo4.486.252.993.123.492.18-136
Used Car - 72 Mo4.666.003.493.363.742.99-130
New Boat - 60 Mo6.3810.604.504.775.993.63-161
Rewards Credit Card13.1116.998.6510.6213.758.74-249
Credit Card Platinum11.9516.158.258.679.905.99-328
Credit Card Classic12.5316.9010.2410.2815.995.99-225
Home Equity - LOC5.067.134.254.476.002.99-58
Home Equity - 5 Yr5.657.004.594.636.002.99-102
Home Equity - 10 Yr5.656.254.845.226.493.99-43
Home Equity - 15 Yr5.986.495.185.496.494.50-49
15 Yr Fixed3.5653.7503.2503.4493.6253.000-12
20 Yr Fixed3.8914.1253.5003.8624.1253.500-3
30 Yr Fixed4.0504.2503.7504.0274.2503.750-2
1 Yr ARM3.4244.0002.500 
3/1 ARM3.4063.6252.7503.6794.2502.37527
5/1 ARM3.5484.1252.8753.2904.5002.625-26
7/1 ARM3.5904.0003.0003.5394.6252.875-5
New RV - 60 Mo6.4910.604.254.655.993.63-183
Unsecured - 36 Mo9.9312.447.508.8213.255.24-111
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* Represents the difference in the average rate between banks and credit unions.