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 - $10k0.231.210.010.290.650.106
6 Mo CD - $10k0.321.410.010.420.750.1010
1 Yr CD - $10k0.501.660.050.651.250.1515
18 Mo CD - $10k0.581.660.050.741.300.2016
2 Yr CD - $10k0.721.860.160.931.400.3021
30 Mo CD - $10k0.811.860.151.551.551.5574
3 Yr CD - $10k0.951.960.201.081.600.4012
4 Yr CD - $10k1.132.070.251.291.750.6016
5 Yr CD - $10k1.392.220.351.572.150.7518
1 Mo CD - $100k0.040.070.01    
2 Mo CD - $100k0.040.070.01    
3 Mo CD - $100k0.331.210.010.430.700.159
6 Mo CD - $100k0.441.410.010.430.850.10-1
1 Yr CD - $100k0.611.660.050.651.400.154
2 Yr CD - $100k0.821.860.150.851.550.304
3 Yr CD - $100k1.071.960.201.101.750.403
Interest Checking - $5k0.080.300.010.130.350.055
Liquid IRA Account0.421.260.020.561.250.0513
Money Market - $2.5k0.130.750.010.160.350.103
Money Market - $10k0.160.750.010.180.350.103
Money Market - $25k0.190.750.010.240.500.105
Money Market - $50k0.220.750.010.300.500.108
Money Market - $100k0.260.750.010.400.960.1014
Money Market - $250k0.301.000.010.420.960.1012
Regular Savings - $1k0.110.650.010.120.350.041
New Car - 36 Mo4.427.802.452.733.901.99-169
New Car - 48 Mo4.537.802.902.963.902.49-158
New Car - 60 Mo4.657.802.902.983.902.49-167
New Car - 72 Mo4.646.542.903.424.902.75-122
Used Car - 36 Mo4.708.652.452.954.251.99-175
Used Car - 48 Mo4.778.652.903.214.502.49-157
Used Car - 60 Mo4.818.652.903.254.752.49-156
Used Car - 72 Mo4.575.792.903.554.902.99-102
New Boat - 60 Mo5.6810.603.753.885.002.49-181
Rewards Credit Card13.6518.158.259.9912.996.88-366
Credit Card Platinum11.5516.158.2510.9910.9910.99-56
Credit Card Classic14.2219.9910.749.2111.497.25-501
Home Equity - LOC5.007.253.504.205.003.00-80
Home Equity - 5 Yr5.246.504.254.205.003.50-105
Home Equity - 10 Yr5.456.354.355.446.254.50-2
Home Equity - 15 Yr5.936.954.505.165.994.50-76
15 Yr Fixed3.5183.8502.7503.2313.5002.750-29
20 Yr Fixed3.9084.0003.3753.7163.8503.375-19
30 Yr Fixed4.0574.2503.5003.9004.1253.625-16
1 Yr ARM3.7044.7503.250 
3/1 ARM3.7675.0002.750 
5/1 ARM3.6255.5002.7503.0412.8752.875-58
7/1 ARM3.8074.7503.0003.2933.1253.125-51
New RV - 60 Mo5.5910.603.503.755.002.49-184
Unsecured - 36 Mo8.069.504.509.4011.756.75133
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* Represents the difference in the average rate between banks and credit unions.