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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.600.010.230.550.108
6 Mo CD - $10k0.230.810.010.340.600.1011
1 Yr CD - $10k0.381.250.010.591.160.0121
18 Mo CD - $10k0.461.350.050.690.900.2623
2 Yr CD - $10k0.491.210.050.801.460.0531
30 Mo CD - $10k0.611.600.050.881.000.7028
3 Yr CD - $10k0.731.610.051.031.710.0530
4 Yr CD - $10k0.911.560.101.201.760.7530
5 Yr CD - $10k1.232.100.251.632.170.9940
1 Mo CD - $100k0.130.600.01    
2 Mo CD - $100k0.190.600.01    
3 Mo CD - $100k0.200.600.010.270.400.107
6 Mo CD - $100k0.250.700.050.440.650.1318
1 Yr CD - $100k0.401.250.100.710.950.2330
2 Yr CD - $100k0.521.000.100.921.210.4140
3 Yr CD - $100k0.721.610.151.121.410.6040
Interest Checking - $5k0.080.350.010.120.350.024
Liquid IRA Account0.261.260.020.421.260.0116
Money Market - $2.5k0.090.350.010.250.550.1016
Money Market - $10k0.110.400.010.310.600.1020
Money Market - $25k0.150.500.010.330.650.1019
Money Market - $50k0.160.500.010.410.700.2025
Money Market - $100k0.190.600.010.470.750.2028
Money Market - $250k0.200.700.010.490.750.2029
Regular Savings - $1k0.090.500.010.130.500.013
New Car - 36 Mo3.718.041.742.665.501.49-106
New Car - 48 Mo3.838.042.242.816.001.75-102
New Car - 60 Mo3.918.042.453.056.252.24-86
New Car - 72 Mo4.258.042.553.487.402.49-78
Used Car - 36 Mo4.308.041.742.866.001.49-145
Used Car - 48 Mo4.368.042.242.996.251.75-136
Used Car - 60 Mo4.238.042.743.286.752.25-95
Used Car - 72 Mo4.406.383.243.585.492.99-81
New Boat - 60 Mo6.4910.713.395.449.242.99-105
Rewards Credit Card13.0416.999.0011.4712.996.99-157
Credit Card Platinum11.6115.998.999.3110.995.99-229
Credit Card Classic13.1717.4010.0012.1216.905.99-105
Home Equity - LOC4.617.273.254.304.753.75-31
Home Equity - 5 Yr5.337.253.884.597.502.25-75
Home Equity - 10 Yr5.708.003.885.067.753.25-65
Home Equity - 15 Yr5.616.993.886.087.755.0047
15 Yr Fixed3.8335.5223.0003.4423.9803.000-39
20 Yr Fixed4.1495.7503.5003.8624.0303.500-29
30 Yr Fixed4.3156.7503.7504.0604.1253.750-25
1 Yr ARM3.7944.4902.0001.5711.5001.500-222
3/1 ARM3.8244.6562.7502.7923.5002.250-103
5/1 ARM3.9415.1253.0003.2183.5003.000-72
7/1 ARM3.9925.0003.3753.4923.5003.250-50
New RV - 60 Mo6.5610.713.395.399.242.99-117
Unsecured - 36 Mo10.9918.966.508.0413.004.99-295
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* Represents the difference in the average rate between banks and credit unions.