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 - $10k0.110.250.010.130.250.052
6 Mo CD - $10k0.190.500.010.250.600.035
1 Yr CD - $10k0.320.800.050.391.000.057
18 Mo CD - $10k0.411.250.050.571.360.2016
2 Yr CD - $10k0.521.000.160.651.410.1013
30 Mo CD - $10k0.561.050.150.660.900.309
3 Yr CD - $10k0.711.300.200.961.710.3524
4 Yr CD - $10k0.911.350.251.222.020.4031
5 Yr CD - $10k1.151.900.351.372.320.4522
1 Mo CD - $100k0.090.280.03    
2 Mo CD - $100k0.090.280.05    
3 Mo CD - $100k0.120.280.010.190.200.157
6 Mo CD - $100k0.190.450.010.330.600.0314
1 Yr CD - $100k0.310.650.050.491.000.0518
2 Yr CD - $100k0.511.000.160.891.410.1038
3 Yr CD - $100k0.701.000.201.221.711.0052
Interest Checking - $5k0.050.100.010.100.250.015
Liquid IRA Account0.321.260.030.382.220.056
Money Market - $2.5k0.070.250.010.110.300.034
Money Market - $10k0.080.250.010.110.300.033
Money Market - $25k0.110.600.010.150.350.034
Money Market - $50k0.130.600.010.170.400.054
Money Market - $100k0.160.800.010.210.450.055
Money Market - $250k0.180.800.010.251.110.057
Regular Savings - $1k0.050.100.010.090.680.013
New Car - 36 Mo4.288.002.742.914.501.99-137
New Car - 48 Mo4.498.502.693.044.501.99-145
New Car - 60 Mo4.618.752.993.104.751.99-151
New Car - 72 Mo4.676.622.993.375.002.49-130
Used Car - 36 Mo4.758.002.742.995.001.99-176
Used Car - 48 Mo4.948.502.823.125.001.99-181
Used Car - 60 Mo4.948.752.993.185.491.99-176
Used Car - 72 Mo4.445.492.993.435.502.49-101
New Boat - 60 Mo5.8310.602.993.895.751.99-193
Rewards Credit Card12.9217.908.0011.4112.749.90-152
Credit Card Platinum10.5315.908.0010.1411.908.74-39
Credit Card Classic13.8716.5010.4911.2414.508.05-262
Home Equity - LOC4.777.133.504.598.003.25-18
Home Equity - 5 Yr5.146.254.184.807.382.75-34
Home Equity - 10 Yr5.866.355.255.617.502.75-25
Home Equity - 15 Yr6.426.755.755.737.002.90-68
15 Yr Fixed3.5073.7502.7503.7154.2503.00021
20 Yr Fixed3.9424.1253.3754.0194.2403.5008
30 Yr Fixed4.1524.2503.6254.2184.3753.8757
3/1 ARM3.4664.0002.8753.3463.3752.875-12
5/1 ARM3.5234.0002.7503.6374.1253.00011
7/1 ARM3.7674.3753.2503.6604.0003.250-11
New RV - 60 Mo5.8210.602.993.795.751.99-202
Unsecured - 36 Mo8.1713.215.009.2314.006.74106
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* Represents the difference in the average rate between banks and credit unions.