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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.790.010.230.900.036
6 Mo CD - $10k0.261.050.010.391.110.0312
1 Yr CD - $10k0.441.320.010.611.460.0517
18 Mo CD - $10k0.511.350.050.641.560.1014
2 Yr CD - $10k0.601.500.030.852.000.1025
30 Mo CD - $10k0.541.500.050.831.660.2029
3 Yr CD - $10k0.711.700.051.102.000.2040
4 Yr CD - $10k0.791.760.101.322.020.2553
5 Yr CD - $10k0.982.020.151.682.500.3570
1 Mo CD - $100k0.130.750.010.160.350.053
2 Mo CD - $100k0.140.750.010.130.200.100
3 Mo CD - $100k0.190.850.010.300.900.0311
3 Mo CD - $250k   0.300.300.30 
6 Mo CD - $100k0.281.050.010.471.110.0520
6 Mo CD - $250k   0.400.400.40 
1 Yr CD - $100k0.461.320.010.721.460.0526
1 Yr CD - $250k   0.450.450.45 
2 Yr CD - $100k0.631.500.050.992.000.1035
2 Yr CD - $250k   0.900.900.90 
3 Yr CD - $100k0.711.700.051.231.920.2552
3 Yr CD - $250k   1.301.301.30 
Interest Checking - $5k0.080.710.010.100.650.012
Liquid IRA Account0.181.050.010.261.700.019
Money Market - $2.5k0.110.900.010.182.800.017
Money Market - $10k0.130.900.010.201.700.017
Money Market - $25k0.160.900.010.241.260.018
Money Market - $50k0.190.900.010.281.260.029
Money Market - $100k0.250.900.010.321.260.027
Money Market - $250k0.261.000.010.341.260.028
Regular Savings - $1k0.111.050.010.131.250.012
New Car - 36 Mo4.779.002.242.464.990.95-231
New Car - 48 Mo4.839.002.242.565.001.47-227
New Car - 60 Mo4.899.002.292.635.001.47-225
New Car - 72 Mo4.729.002.652.955.501.59-178
Used Car - 36 Mo5.3511.382.292.675.401.25-268
Used Car - 48 Mo5.4211.542.292.775.401.47-265
Used Car - 60 Mo5.1411.742.292.855.401.47-229
Used Car - 72 Mo4.367.152.693.155.501.59-120
New Boat - 60 Mo7.1612.503.396.0811.991.99-108
Rewards Credit Card13.3917.907.9910.6116.905.40-277
Credit Card Platinum10.9415.907.999.4514.995.74-149
Credit Card Classic11.4816.907.9911.4217.995.74-6
Home Equity - LOC5.178.043.504.416.253.25-76
Home Equity - 5 Yr5.997.783.505.118.502.88-88
Home Equity - 10 Yr6.287.784.405.438.503.25-86
Home Equity - 15 Yr6.347.784.745.658.503.25-69
15 Yr Fixed3.6394.2003.0003.5463.7502.875-9
20 Yr Fixed4.0924.3003.5004.0184.2503.250-7
30 Yr Fixed4.2284.5003.7404.2064.5003.625-2
1 Yr ARM2.8043.1252.3752.8913.6672.0009
3/1 ARM3.5984.4802.7503.1254.0001.875-47
5/1 ARM3.5274.4002.8753.3084.5002.500-22
7/1 ARM3.6704.6252.8753.5424.5002.875-13
New RV - 60 Mo7.0111.003.395.9611.991.99-104
Unsecured - 36 Mo11.4620.756.999.4815.505.24-198
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* Represents the difference in the average rate between banks and credit unions.