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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.100.250.010.140.250.054
6 Mo CD - $10k0.170.450.010.230.600.036
1 Yr CD - $10k0.300.650.050.371.000.057
18 Mo CD - $10k0.401.250.050.651.360.2025
2 Yr CD - $10k0.491.000.160.651.250.1015
30 Mo CD - $10k0.541.050.150.660.900.3012
3 Yr CD - $10k0.681.050.200.941.310.3526
4 Yr CD - $10k0.881.250.251.191.610.4031
5 Yr CD - $10k1.091.650.351.372.020.4528
1 Mo CD - $100k0.070.280.03    
2 Mo CD - $100k0.090.280.05    
3 Mo CD - $100k0.110.280.010.190.200.158
6 Mo CD - $100k0.180.450.010.280.450.0310
1 Yr CD - $100k0.310.650.050.420.600.0511
2 Yr CD - $100k0.501.000.160.811.000.1031
3 Yr CD - $100k0.691.000.201.131.311.0044
Interest Checking - $5k0.050.120.010.100.250.015
Liquid IRA Account0.381.500.030.382.220.05-1
Money Market - $2.5k0.070.250.010.110.300.034
Money Market - $10k0.080.250.010.110.300.033
Money Market - $25k0.100.500.010.150.350.035
Money Market - $50k0.130.500.010.170.400.055
Money Market - $100k0.160.750.010.210.450.055
Money Market - $250k0.180.750.010.251.110.057
Regular Savings - $1k0.060.100.010.090.680.013
New Car - 36 Mo4.398.002.342.884.501.99-150
New Car - 48 Mo4.518.502.343.054.501.99-146
New Car - 60 Mo4.658.752.753.114.751.99-154
New Car - 72 Mo4.716.622.993.325.002.49-139
Used Car - 36 Mo4.738.002.343.005.001.99-172
Used Car - 48 Mo4.918.502.343.185.001.99-174
Used Car - 60 Mo4.918.752.993.235.491.99-168
Used Car - 72 Mo4.555.492.993.425.502.49-113
New Boat - 60 Mo5.7710.602.993.765.751.99-201
Rewards Credit Card12.8117.907.7511.3212.749.90-148
Credit Card Platinum10.4015.907.759.9911.908.49-42
Credit Card Classic13.8716.5010.4911.2214.508.05-264
Home Equity - LOC4.717.133.504.508.003.25-21
Home Equity - 5 Yr5.146.254.184.787.382.75-36
Home Equity - 10 Yr5.906.355.505.597.502.75-31
Home Equity - 15 Yr6.476.755.755.707.002.90-77
15 Yr Fixed3.6423.8753.2503.6673.9903.1253
20 Yr Fixed4.0804.2503.6254.1454.3753.6256
30 Yr Fixed4.2704.5003.8754.3434.3754.0007
3/1 ARM3.6124.1253.1253.3153.2502.875-30
5/1 ARM3.7244.6303.1053.5944.1253.000-13
7/1 ARM3.7884.1253.2503.5974.0003.250-19
New RV - 60 Mo5.7910.602.993.695.751.99-209
Unsecured - 36 Mo8.1713.215.009.2214.006.74105
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* Represents the difference in the average rate between banks and credit unions.