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 - $10k0.180.850.010.230.650.106
6 Mo CD - $10k0.251.000.010.310.700.106
1 Yr CD - $10k0.421.260.050.550.900.1513
18 Mo CD - $10k0.461.300.050.610.950.2015
2 Yr CD - $10k0.641.510.160.841.110.3020
30 Mo CD - $10k0.701.510.151.101.101.1040
3 Yr CD - $10k0.831.660.201.071.350.4024
4 Yr CD - $10k1.071.810.251.261.600.6019
5 Yr CD - $10k1.262.020.351.482.100.7522
1 Mo CD - $100k0.050.070.02    
2 Mo CD - $100k0.050.070.02    
3 Mo CD - $100k0.200.850.010.330.650.1013
6 Mo CD - $100k0.301.000.010.360.700.106
1 Yr CD - $100k0.471.260.050.550.900.158
2 Yr CD - $100k0.721.510.160.751.110.303
3 Yr CD - $100k0.961.660.201.021.450.406
Interest Checking - $5k0.080.300.010.140.500.056
Liquid IRA Account0.411.260.020.481.250.057
Money Market - $2.5k0.120.600.010.170.500.055
Money Market - $10k0.140.600.010.190.500.054
Money Market - $25k0.180.750.010.240.500.056
Money Market - $50k0.210.750.010.260.500.056
Money Market - $100k0.240.750.010.380.750.1014
Money Market - $250k0.281.000.010.400.950.1012
Regular Savings - $1k0.110.600.010.130.500.022
New Car - 36 Mo4.306.272.452.803.902.35-150
New Car - 48 Mo4.356.272.902.923.902.40-144
New Car - 60 Mo4.426.272.902.943.902.49-148
New Car - 72 Mo4.656.442.903.354.902.75-131
Used Car - 36 Mo4.506.532.453.054.252.49-145
Used Car - 48 Mo4.656.532.903.204.502.49-145
Used Car - 60 Mo4.706.532.903.264.752.49-144
Used Car - 72 Mo4.505.792.903.494.902.99-101
New Boat - 60 Mo5.1610.593.504.114.992.49-105
Rewards Credit Card13.2417.907.759.7412.496.75-350
Credit Card Platinum11.3015.907.7510.4910.4910.49-81
Credit Card Classic12.6613.9910.748.8810.996.75-378
Home Equity - LOC4.707.133.504.115.043.25-60
Home Equity - 5 Yr5.366.504.744.365.543.50-100
Home Equity - 10 Yr5.626.354.755.066.253.00-56
Home Equity - 15 Yr6.286.954.755.165.994.50-112
15 Yr Fixed3.6983.8753.2503.7423.7503.3754
20 Yr Fixed4.1324.1253.6253.9713.8753.875-16
30 Yr Fixed4.3164.4203.8754.3324.2504.1252
1 Yr ARM4.0984.7503.250 
3/1 ARM3.6595.0003.125 
5/1 ARM3.5625.5002.7503.6174.2502.7505
7/1 ARM3.7944.7503.0003.2923.1253.125-50
New RV - 60 Mo5.1810.593.503.824.902.49-136
Unsecured - 36 Mo8.3910.354.509.8411.758.50145
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* Represents the difference in the average rate between banks and credit unions.