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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.600.010.250.550.109
6 Mo CD - $10k0.240.810.010.411.000.1017
1 Yr CD - $10k0.381.250.010.661.500.0128
18 Mo CD - $10k0.451.350.050.700.800.2624
2 Yr CD - $10k0.511.210.050.821.560.0532
30 Mo CD - $10k0.661.600.050.881.000.7023
3 Yr CD - $10k0.741.610.051.051.820.0531
4 Yr CD - $10k0.921.560.101.221.760.7529
5 Yr CD - $10k1.252.100.251.662.280.9941
1 Mo CD - $100k0.130.600.01    
2 Mo CD - $100k0.190.600.01    
3 Mo CD - $100k0.200.600.010.290.550.108
6 Mo CD - $100k0.250.700.050.581.000.1333
1 Yr CD - $100k0.411.250.100.891.500.2348
2 Yr CD - $100k0.531.000.100.921.310.4139
3 Yr CD - $100k0.741.610.151.101.360.6036
Interest Checking - $5k0.080.350.010.130.350.025
Liquid IRA Account0.261.260.020.421.260.0116
Money Market - $2.5k0.080.350.010.250.550.1016
Money Market - $10k0.110.400.010.310.600.1020
Money Market - $25k0.160.600.010.330.650.1017
Money Market - $50k0.180.600.010.410.700.2023
Money Market - $100k0.200.600.010.470.750.2027
Money Market - $250k0.200.700.010.490.750.2029
Regular Savings - $1k0.090.500.010.130.500.014
New Car - 36 Mo3.626.312.002.675.501.49-95
New Car - 48 Mo3.746.312.252.826.001.75-92
New Car - 60 Mo3.826.312.453.066.252.24-77
New Car - 72 Mo4.166.902.553.497.402.49-68
Used Car - 36 Mo4.207.072.242.876.001.49-134
Used Car - 48 Mo4.267.072.503.006.251.75-126
Used Car - 60 Mo4.127.072.743.296.752.25-83
Used Car - 72 Mo4.366.382.743.605.492.99-77
New Boat - 60 Mo6.4810.713.595.449.242.99-104
Rewards Credit Card13.0916.999.2511.4712.996.99-163
Credit Card Platinum11.6015.998.999.3110.995.99-229
Credit Card Classic13.2117.4010.2512.1216.905.99-110
Home Equity - LOC4.687.273.504.334.753.75-34
Home Equity - 5 Yr5.166.993.944.597.502.25-57
Home Equity - 10 Yr5.456.993.885.067.753.25-40
Home Equity - 15 Yr5.576.993.886.087.755.0052
15 Yr Fixed3.8545.6883.0003.5104.2303.000-34
20 Yr Fixed4.1795.7503.5003.9534.2803.500-23
30 Yr Fixed4.3506.7503.8754.1234.2503.875-23
1 Yr ARM3.8164.4902.0002.2363.5001.500-158
3/1 ARM3.8774.6562.7502.9193.8752.250-96
5/1 ARM4.0265.1253.0003.1933.3753.000-83
7/1 ARM4.0805.0003.3753.5423.5003.250-54
New RV - 60 Mo6.5610.713.595.399.242.99-116
Unsecured - 36 Mo10.9618.966.508.5713.005.24-239
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* Represents the difference in the average rate between banks and credit unions.