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 - $10k0.160.450.010.301.000.0513
6 Mo CD - $10k0.250.650.010.381.050.1013
1 Yr CD - $10k0.421.350.050.681.250.2526
18 Mo CD - $10k0.531.650.050.751.400.3522
2 Yr CD - $10k0.651.350.100.921.550.4027
30 Mo CD - $10k0.661.320.100.911.510.5524
3 Yr CD - $10k0.792.050.151.151.710.6035
4 Yr CD - $10k0.941.710.151.261.800.6532
5 Yr CD - $10k1.162.300.151.632.200.9547
1 Mo CD - $100k0.150.450.010.050.050.05-10
2 Mo CD - $100k0.170.450.01    
3 Mo CD - $100k0.190.600.010.441.000.0525
6 Mo CD - $100k0.270.700.010.541.050.2026
1 Yr CD - $100k0.441.350.050.981.410.2554
2 Yr CD - $100k0.611.350.101.251.710.4564
3 Yr CD - $100k0.792.050.151.471.960.6568
Interest Checking - $5k0.090.400.010.130.350.054
Liquid IRA Account0.341.510.010.481.500.1015
Money Market - $2.5k0.151.100.010.281.000.0313
Money Market - $10k0.171.100.010.301.000.0313
Money Market - $25k0.181.100.010.331.000.0516
Money Market - $50k0.191.100.010.371.000.0817
Money Market - $100k0.221.100.010.391.000.0818
Money Market - $250k0.231.100.010.401.100.1018
Regular Savings - $1k0.130.650.010.180.800.055
New Car - 36 Mo4.817.502.492.283.651.49-254
New Car - 48 Mo4.907.752.752.393.651.69-251
New Car - 60 Mo4.947.752.992.633.991.89-231
New Car - 72 Mo4.496.002.993.144.992.25-135
Used Car - 36 Mo5.589.752.492.685.201.49-289
Used Car - 48 Mo5.6210.002.752.795.201.69-283
Used Car - 60 Mo5.458.133.003.025.451.89-243
Used Car - 72 Mo4.035.003.253.676.452.39-36
New Boat - 60 Mo6.3310.584.504.436.902.05-191
Rewards Credit Card13.0318.157.2510.7613.258.90-227
Credit Card Platinum11.6516.157.158.7710.995.99-288
Credit Card Classic14.0719.909.1511.8018.005.99-228
Home Equity - LOC4.778.134.004.625.994.00-15
Home Equity - 5 Yr5.566.754.385.309.752.99-26
Home Equity - 10 Yr5.846.694.885.135.883.99-71
Home Equity - 15 Yr5.926.495.135.436.134.25-49
15 Yr Fixed3.6204.7503.1253.4493.7502.875-17
20 Yr Fixed3.9514.2503.5003.9144.7503.375-4
30 Yr Fixed4.1494.2503.9904.0574.1253.500-9
1 Yr ARM2.5292.3752.375 
3/1 ARM3.4144.3002.5002.6793.1251.875-73
5/1 ARM3.6014.6252.5003.2613.6252.500-34
7/1 ARM3.7045.2503.0003.4603.6252.750-24
New RV - 60 Mo6.0310.584.504.547.902.05-149
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.