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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.181.250.010.491.300.1532
6 Mo CD - $10k0.441.710.010.741.350.3030
1 Yr CD - $10k0.752.000.011.171.650.7541
18 Mo CD - $10k0.802.120.051.282.000.8048
2 Yr CD - $10k0.972.300.051.391.800.9042
30 Mo CD - $10k0.531.680.051.622.001.00109
3 Yr CD - $10k1.062.330.051.702.001.1064
4 Yr CD - $10k1.192.360.101.982.101.6179
5 Yr CD - $10k1.602.780.252.453.001.8084
1 Mo CD - $100k0.110.250.010.150.150.154
2 Mo CD - $100k0.100.250.01    
3 Mo CD - $100k0.211.500.010.561.300.1536
6 Mo CD - $100k0.371.750.010.821.350.3045
1 Yr CD - $100k0.642.000.011.251.701.0061
2 Yr CD - $100k0.862.300.051.481.851.1062
3 Yr CD - $100k0.942.200.051.762.001.4082
Interest Checking - $5k0.070.200.010.070.150.021
Liquid IRA Account0.441.450.030.281.250.05-15
Money Market - $2.5k0.211.500.010.211.250.100
Money Market - $10k0.221.500.010.241.250.102
Money Market - $25k0.271.500.010.301.250.103
Money Market - $50k0.281.500.010.311.250.103
Money Market - $100k0.341.500.010.361.250.102
Money Market - $250k0.361.500.010.401.250.104
Regular Savings - $1k0.301.500.010.161.250.03-14
New Car - 36 Mo4.096.252.993.143.742.08-95
New Car - 48 Mo4.146.252.993.163.742.08-98
New Car - 60 Mo4.136.252.993.193.742.08-94
New Car - 72 Mo4.586.003.443.423.992.58-117
Used Car - 36 Mo4.466.252.993.193.742.38-128
Used Car - 48 Mo4.516.252.993.213.742.38-131
Used Car - 60 Mo4.516.252.993.243.742.38-128
Used Car - 72 Mo4.696.003.493.473.752.99-122
New Boat - 60 Mo6.4310.604.504.865.993.73-157
Rewards Credit Card13.2617.248.6510.7014.008.99-256
Credit Card Platinum12.2116.408.508.809.906.24-341
Credit Card Classic12.5716.9010.2410.4916.246.24-208
Home Equity - LOC5.447.384.254.756.003.99-69
Home Equity - 5 Yr5.787.005.194.486.002.99-130
Home Equity - 10 Yr5.716.455.255.076.503.99-64
Home Equity - 15 Yr6.226.855.585.746.495.00-48
15 Yr Fixed4.0074.2953.3753.9124.0003.085-9
20 Yr Fixed4.0764.3841.0004.3084.6253.69523
30 Yr Fixed4.3544.6253.8754.4554.7503.80110
1 Yr ARM3.7044.0003.000 
3/1 ARM3.2313.6251.0003.9655.0002.37573
5/1 ARM3.7464.5842.8753.4954.6252.625-25
7/1 ARM3.8544.6513.0003.8514.6253.0000
New RV - 60 Mo6.5910.604.504.815.993.73-177
Unsecured - 36 Mo9.7112.447.508.9313.255.24-78
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* Represents the difference in the average rate between banks and credit unions.