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 188,471 financial institution locations in 19,496 markets across the United States as of 10/21/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.110.250.010.150.300.053
6 Mo CD - $10k0.210.500.010.260.600.035
1 Yr CD - $10k0.340.800.050.391.060.055
18 Mo CD - $10k0.461.500.050.531.610.087
2 Yr CD - $10k0.541.000.160.671.560.1012
30 Mo CD - $10k0.561.050.151.022.020.3045
3 Yr CD - $10k0.802.000.200.981.710.3518
4 Yr CD - $10k0.941.510.251.252.020.4031
5 Yr CD - $10k1.181.900.351.382.170.4520
1 Mo CD - $100k0.090.280.03    
2 Mo CD - $100k0.090.280.05    
3 Mo CD - $100k0.120.280.010.180.200.105
6 Mo CD - $100k0.210.470.010.320.600.0311
1 Yr CD - $100k0.340.650.050.481.000.0515
2 Yr CD - $100k0.551.000.160.831.410.1028
3 Yr CD - $100k0.802.000.201.181.710.9038
Interest Checking - $5k0.050.120.010.100.250.015
Liquid IRA Account0.411.760.030.392.220.05-2
Money Market - $2.5k0.080.250.010.120.400.034
Money Market - $10k0.100.300.010.130.400.032
Money Market - $25k0.120.600.010.160.450.034
Money Market - $50k0.150.600.010.180.500.053
Money Market - $100k0.190.800.010.230.550.054
Money Market - $250k0.200.800.010.271.310.057
Regular Savings - $1k0.060.150.010.100.940.014
New Car - 36 Mo4.358.002.742.974.502.11-137
New Car - 48 Mo4.528.502.693.084.502.49-144
New Car - 60 Mo4.698.752.993.144.752.49-154
New Car - 72 Mo4.696.622.993.405.002.49-129
Used Car - 36 Mo4.758.002.743.125.002.11-162
Used Car - 48 Mo4.958.502.823.245.002.49-172
Used Car - 60 Mo4.998.752.993.295.492.49-170
Used Car - 72 Mo4.565.492.993.555.502.49-101
New Boat - 60 Mo5.7310.592.993.895.752.49-185
Rewards Credit Card12.9318.158.2511.7012.999.90-123
Credit Card Platinum10.7716.158.2510.3411.908.99-43
Credit Card Classic13.9516.5010.9911.4715.008.05-248
Home Equity - LOC4.908.133.254.918.003.491
Home Equity - 5 Yr5.056.253.994.767.882.75-29
Home Equity - 10 Yr5.926.355.505.467.882.75-46
Home Equity - 15 Yr6.396.755.755.526.252.90-87
15 Yr Fixed3.5614.1253.0003.4874.1252.875-7
20 Yr Fixed3.8914.1253.5003.9284.2403.3754
30 Yr Fixed4.1184.5003.7504.1034.3753.750-2
3/1 ARM3.6084.1253.0003.3143.2502.875-29
5/1 ARM3.6804.6003.0003.5734.0003.000-11
7/1 ARM3.8204.3753.2503.5974.0003.250-22
New RV - 60 Mo5.8010.592.993.845.752.49-197
Unsecured - 36 Mo7.9413.214.759.2714.006.74133
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* Represents the difference in the average rate between banks and credit unions.