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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.200.880.010.270.550.107
6 Mo CD - $10k0.270.950.010.400.800.1013
1 Yr CD - $10k0.491.510.010.651.610.0117
18 Mo CD - $10k0.511.750.050.731.000.2622
2 Yr CD - $10k0.611.750.050.901.920.0529
30 Mo CD - $10k0.712.000.050.971.160.7527
3 Yr CD - $10k0.802.000.051.102.170.0530
4 Yr CD - $10k0.961.600.101.261.820.7530
5 Yr CD - $10k1.322.350.251.712.430.9939
1 Mo CD - $100k0.150.800.01    
2 Mo CD - $100k0.230.800.01    
3 Mo CD - $100k0.220.800.010.310.650.109
6 Mo CD - $100k0.270.900.050.500.900.1322
1 Yr CD - $100k0.511.410.100.751.210.2323
2 Yr CD - $100k0.591.600.100.941.410.4135
3 Yr CD - $100k0.792.000.151.121.460.6033
Interest Checking - $5k0.090.350.010.130.350.025
Liquid IRA Account0.271.260.020.431.260.0115
Money Market - $2.5k0.090.350.010.250.550.1016
Money Market - $10k0.110.400.010.310.600.1020
Money Market - $25k0.170.600.010.340.650.1517
Money Market - $50k0.190.600.010.410.700.2523
Money Market - $100k0.220.600.010.480.750.2526
Money Market - $250k0.220.700.010.500.750.2527
Regular Savings - $1k0.090.500.010.130.500.014
New Car - 36 Mo3.676.312.002.725.501.49-95
New Car - 48 Mo3.796.312.252.876.001.75-93
New Car - 60 Mo3.886.312.453.116.252.25-77
New Car - 72 Mo4.236.902.553.627.402.59-61
Used Car - 36 Mo4.267.072.242.906.001.49-136
Used Car - 48 Mo4.327.072.503.046.251.75-128
Used Car - 60 Mo4.207.072.803.336.752.25-87
Used Car - 72 Mo4.386.382.743.775.492.99-61
New Boat - 60 Mo6.4810.714.255.449.242.99-104
Rewards Credit Card13.2216.249.5011.6213.246.99-160
Credit Card Platinum11.6716.249.249.4511.246.24-222
Credit Card Classic12.5214.9010.5012.1716.906.24-36
Home Equity - LOC4.776.353.754.707.004.00-7
Home Equity - 5 Yr5.116.993.944.477.502.25-64
Home Equity - 10 Yr5.576.993.884.977.753.25-60
Home Equity - 15 Yr5.617.053.886.087.755.0047
15 Yr Fixed4.1015.9993.3753.7984.0003.000-30
20 Yr Fixed4.4266.3903.7504.2024.3753.625-22
30 Yr Fixed4.5987.3903.8534.3624.6253.875-24
1 Yr ARM4.0044.6252.8252.2363.5001.500-177
3/1 ARM4.0125.0003.0002.8343.6252.250-118
5/1 ARM4.1775.2503.2503.3443.6253.000-83
7/1 ARM4.1795.2503.1253.6933.7503.375-49
New RV - 60 Mo6.5610.714.255.399.242.99-116
Unsecured - 36 Mo10.9718.966.508.5713.005.24-240
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* Represents the difference in the average rate between banks and credit unions.