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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.190.650.010.341.300.0515
6 Mo CD - $10k0.280.910.010.451.350.1017
1 Yr CD - $10k0.471.400.050.841.650.2537
18 Mo CD - $10k0.561.650.050.911.810.3535
2 Yr CD - $10k0.721.810.101.051.920.4533
30 Mo CD - $10k0.742.020.100.961.510.5523
3 Yr CD - $10k0.842.120.151.312.170.6046
4 Yr CD - $10k0.982.150.151.362.000.6538
5 Yr CD - $10k1.182.300.151.792.430.9561
1 Mo CD - $100k0.160.450.010.050.050.05-11
2 Mo CD - $100k0.180.450.01    
3 Mo CD - $100k0.210.600.010.601.300.0539
6 Mo CD - $100k0.300.800.010.651.350.2035
1 Yr CD - $100k0.471.400.051.161.870.2569
2 Yr CD - $100k0.671.770.101.412.170.4574
3 Yr CD - $100k0.812.120.151.642.430.6583
Interest Checking - $5k0.090.400.010.130.350.054
Liquid IRA Account0.361.510.010.551.500.1019
Money Market - $2.5k0.161.100.010.291.250.0313
Money Market - $10k0.191.360.010.311.250.0312
Money Market - $25k0.201.360.010.381.400.0518
Money Market - $50k0.221.360.010.421.400.0820
Money Market - $100k0.241.360.010.441.400.0820
Money Market - $250k0.261.100.010.451.400.1019
Regular Savings - $1k0.130.650.010.180.800.055
New Car - 36 Mo4.837.502.492.343.801.49-249
New Car - 48 Mo4.917.752.752.443.801.49-247
New Car - 60 Mo4.957.752.992.663.991.49-228
New Car - 72 Mo4.496.002.993.124.991.49-138
Used Car - 36 Mo5.599.752.492.725.201.49-287
Used Car - 48 Mo5.6210.002.752.815.201.49-281
Used Car - 60 Mo5.458.133.003.025.451.49-243
Used Car - 72 Mo4.015.003.253.606.451.49-41
New Boat - 60 Mo6.2610.584.504.367.252.05-190
Rewards Credit Card13.0816.997.5010.8713.508.90-221
Credit Card Platinum11.7816.407.408.6411.244.90-314
Credit Card Classic14.1019.909.4011.8418.006.24-226
Home Equity - LOC4.857.504.254.725.254.25-13
Home Equity - 5 Yr5.486.754.635.639.753.5014
Home Equity - 10 Yr5.846.694.885.506.433.99-34
Home Equity - 15 Yr5.926.495.135.656.234.25-27
15 Yr Fixed3.8464.7503.3254.0334.1233.62519
20 Yr Fixed3.9974.3751.0004.3164.7503.75032
30 Yr Fixed4.3004.7504.0004.5314.7504.12523
1 Yr ARM3.1603.0003.000 
3/1 ARM2.7144.3001.0003.0503.7502.00034
5/1 ARM3.6444.9902.5003.7144.0002.7507
7/1 ARM3.7055.2503.0004.0894.5003.12538
New RV - 60 Mo6.0010.584.504.507.902.05-150
Unsecured - 36 Mo9.1914.006.258.8713.305.24-32
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* Represents the difference in the average rate between banks and credit unions.