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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.450.010.280.900.0511
6 Mo CD - $10k0.250.650.010.360.950.0511
1 Yr CD - $10k0.411.350.050.641.250.2523
18 Mo CD - $10k0.511.650.050.731.400.3522
2 Yr CD - $10k0.631.500.100.891.550.4027
30 Mo CD - $10k0.681.320.100.851.410.5517
3 Yr CD - $10k0.782.050.151.091.710.6031
4 Yr CD - $10k0.921.710.151.221.800.6530
5 Yr CD - $10k1.142.300.151.612.200.9547
1 Mo CD - $100k0.150.450.010.050.050.05-10
2 Mo CD - $100k0.170.450.01    
3 Mo CD - $100k0.190.600.010.410.900.0522
6 Mo CD - $100k0.280.700.010.510.950.2024
1 Yr CD - $100k0.451.350.050.961.410.2551
2 Yr CD - $100k0.571.350.101.231.710.4566
3 Yr CD - $100k0.772.050.151.441.960.6567
Interest Checking - $5k0.090.400.010.130.350.054
Liquid IRA Account0.331.510.010.481.500.1014
Money Market - $2.5k0.151.100.010.270.900.0312
Money Market - $10k0.161.100.010.290.900.0313
Money Market - $25k0.171.100.010.320.900.0515
Money Market - $50k0.201.200.010.350.900.0815
Money Market - $100k0.221.200.010.380.900.0816
Money Market - $250k0.241.200.010.391.000.1015
Regular Savings - $1k0.130.650.010.180.800.055
New Car - 36 Mo4.767.502.492.313.651.49-245
New Car - 48 Mo4.847.752.752.423.651.69-242
New Car - 60 Mo4.887.752.992.734.991.89-215
New Car - 72 Mo4.405.902.993.154.992.25-125
Used Car - 36 Mo5.549.752.492.645.201.49-290
Used Car - 48 Mo5.5710.002.752.775.201.69-280
Used Car - 60 Mo5.368.133.003.035.451.89-234
Used Car - 72 Mo4.115.003.253.576.452.39-54
New Boat - 60 Mo6.3010.584.504.446.902.05-186
Rewards Credit Card12.9018.157.0010.7313.258.90-217
Credit Card Platinum11.5716.157.158.7310.995.74-284
Credit Card Classic14.0319.909.1511.7618.005.74-227
Home Equity - LOC4.818.134.004.515.993.75-29
Home Equity - 5 Yr5.426.753.905.099.752.99-33
Home Equity - 10 Yr5.606.694.155.045.883.99-56
Home Equity - 15 Yr5.666.494.355.346.134.25-32
15 Yr Fixed3.6194.7503.0003.5693.7503.000-5
20 Yr Fixed3.9804.2503.3754.0484.7503.6257
30 Yr Fixed4.1594.3753.8754.2104.3753.6255
1 Yr ARM3.0803.1252.625 
3/1 ARM3.4464.3002.5002.7743.2501.875-67
5/1 ARM3.6574.6252.5003.4373.6252.625-22
7/1 ARM3.7985.2503.0003.7264.0003.000-7
New RV - 60 Mo6.0010.584.504.557.902.05-145
Unsecured - 36 Mo9.2114.005.858.7311.005.24-48
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* Represents the difference in the average rate between banks and credit unions.