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 - $10k0.170.850.010.241.000.036
6 Mo CD - $10k0.271.350.010.411.150.0313
1 Yr CD - $10k0.471.510.010.661.500.0519
18 Mo CD - $10k0.551.790.050.711.560.1016
2 Yr CD - $10k0.621.820.030.932.000.1531
30 Mo CD - $10k0.581.510.050.942.000.2036
3 Yr CD - $10k0.751.920.051.162.000.2041
4 Yr CD - $10k0.831.870.101.382.020.2554
5 Yr CD - $10k1.052.280.151.742.600.3568
1 Mo CD - $100k0.130.850.010.160.350.053
2 Mo CD - $100k0.140.850.010.130.200.10-1
3 Mo CD - $100k0.190.900.010.311.000.0312
3 Mo CD - $250k   0.330.350.30 
6 Mo CD - $100k0.291.350.010.511.150.0821
6 Mo CD - $250k   0.430.450.40 
1 Yr CD - $100k0.521.540.010.791.560.1327
1 Yr CD - $250k   0.500.550.45 
2 Yr CD - $100k0.651.850.051.062.000.2841
2 Yr CD - $250k   0.900.900.90 
3 Yr CD - $100k0.781.950.051.292.020.3851
3 Yr CD - $250k   1.281.301.25 
Interest Checking - $5k0.090.710.010.100.650.012
Liquid IRA Account0.181.300.010.271.700.019
Money Market - $2.5k0.111.050.010.192.800.018
Money Market - $10k0.141.050.010.211.700.017
Money Market - $25k0.161.050.010.251.270.019
Money Market - $50k0.191.050.010.291.270.0210
Money Market - $100k0.241.050.010.341.270.029
Money Market - $250k0.251.050.010.361.300.0210
Regular Savings - $1k0.101.350.010.141.260.013
New Car - 36 Mo4.789.252.242.524.991.49-226
New Car - 48 Mo4.819.252.242.625.001.49-218
New Car - 60 Mo4.869.252.292.715.001.59-215
New Car - 72 Mo4.639.252.653.015.251.59-162
Used Car - 36 Mo5.3411.382.292.735.401.49-261
Used Car - 48 Mo5.3811.542.292.835.401.49-255
Used Car - 60 Mo5.0811.742.292.925.401.59-216
Used Car - 72 Mo4.367.152.693.245.401.59-112
New Boat - 60 Mo7.1312.503.396.1011.991.99-104
Rewards Credit Card13.6418.157.9910.8316.905.40-281
Credit Card Platinum11.2316.157.999.6014.995.99-163
Credit Card Classic11.6116.907.9911.4917.995.99-13
Home Equity - LOC5.368.293.754.656.253.25-70
Home Equity - 5 Yr6.007.783.505.178.502.88-83
Home Equity - 10 Yr6.267.784.405.478.503.25-79
Home Equity - 15 Yr6.287.784.745.678.503.25-61
15 Yr Fixed3.5424.0002.8753.4343.7502.875-11
20 Yr Fixed3.9924.1253.5003.8754.2503.250-12
30 Yr Fixed4.1374.5003.7404.0684.3753.500-7
1 Yr ARM2.9773.1252.6252.8623.6672.000-11
3/1 ARM3.6804.7502.7503.1154.0001.875-56
5/1 ARM3.5954.4702.8753.3124.3752.500-28
7/1 ARM3.6984.6253.0003.5374.5002.750-16
New RV - 60 Mo6.9911.003.395.9511.991.99-103
Unsecured - 36 Mo11.3120.756.079.5015.505.24-182
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* Represents the difference in the average rate between banks and credit unions.