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 - $10k0.220.900.010.240.650.103
6 Mo CD - $10k0.301.000.010.350.700.105
1 Yr CD - $10k0.471.260.050.581.100.1511
18 Mo CD - $10k0.531.310.050.671.100.2014
2 Yr CD - $10k0.711.510.160.881.200.3017
30 Mo CD - $10k0.791.770.151.201.201.2041
3 Yr CD - $10k0.921.660.201.031.350.4010
4 Yr CD - $10k1.121.910.251.231.600.6010
5 Yr CD - $10k1.312.070.351.512.100.7520
1 Mo CD - $100k0.050.070.02    
2 Mo CD - $100k0.050.070.02    
3 Mo CD - $100k0.260.900.010.350.650.109
6 Mo CD - $100k0.361.000.010.380.700.102
1 Yr CD - $100k0.521.260.050.601.250.158
2 Yr CD - $100k0.811.510.150.801.350.30-1
3 Yr CD - $100k1.051.660.201.021.450.40-3
Interest Checking - $5k0.080.300.010.110.350.053
Liquid IRA Account0.411.260.020.521.250.0511
Money Market - $2.5k0.130.750.010.150.350.052
Money Market - $10k0.150.750.010.170.350.052
Money Market - $25k0.190.750.010.210.500.052
Money Market - $50k0.220.750.010.240.500.052
Money Market - $100k0.250.750.010.340.750.109
Money Market - $250k0.281.000.010.370.950.108
Regular Savings - $1k0.110.650.010.130.500.022
New Car - 36 Mo4.216.372.452.703.901.99-151
New Car - 48 Mo4.386.372.902.933.902.40-145
New Car - 60 Mo4.506.372.902.953.902.49-155
New Car - 72 Mo4.596.542.903.394.902.75-121
Used Car - 36 Mo4.526.532.452.924.251.99-160
Used Car - 48 Mo4.606.532.903.184.502.49-142
Used Car - 60 Mo4.686.532.903.224.752.49-145
Used Car - 72 Mo4.565.792.903.524.902.99-104
New Boat - 60 Mo5.5210.593.753.874.992.49-164
Rewards Credit Card13.3417.908.009.8612.746.88-348
Credit Card Platinum11.4215.908.0010.7410.7410.74-68
Credit Card Classic12.7214.2410.749.0511.247.00-367
Home Equity - LOC4.777.133.504.104.753.25-67
Home Equity - 5 Yr5.276.504.254.205.003.50-108
Home Equity - 10 Yr5.556.354.505.446.254.50-11
Home Equity - 15 Yr6.106.954.755.165.994.50-94
15 Yr Fixed3.5913.8752.8753.3153.2502.875-28
20 Yr Fixed4.0224.1253.5003.7923.7503.625-23
30 Yr Fixed4.1604.4203.6253.9844.0003.750-18
1 Yr ARM3.6104.7502.875 
3/1 ARM3.7055.0002.875 
5/1 ARM3.5735.5002.7503.5544.2502.625-2
7/1 ARM3.7874.7503.0003.1673.0003.000-62
New RV - 60 Mo5.4310.593.503.624.902.49-180
Unsecured - 36 Mo8.2610.354.509.4011.756.75114
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* Represents the difference in the average rate between banks and credit unions.