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 - $10k0.160.450.010.270.900.0511
6 Mo CD - $10k0.230.650.010.360.950.0513
1 Yr CD - $10k0.381.150.050.591.060.2522
18 Mo CD - $10k0.471.250.050.701.160.3522
2 Yr CD - $10k0.581.500.100.861.450.4028
30 Mo CD - $10k0.661.320.100.841.410.5518
3 Yr CD - $10k0.751.500.151.051.710.6030
4 Yr CD - $10k0.891.710.151.211.760.6532
5 Yr CD - $10k1.092.070.151.562.150.9547
1 Mo CD - $100k0.150.450.010.050.050.05-10
2 Mo CD - $100k0.170.450.01    
3 Mo CD - $100k0.190.600.010.390.900.0520
6 Mo CD - $100k0.260.700.010.520.950.2025
1 Yr CD - $100k0.421.150.050.831.310.2541
2 Yr CD - $100k0.561.250.101.161.610.4560
3 Yr CD - $100k0.741.500.151.341.960.6561
Interest Checking - $5k0.090.400.010.130.350.055
Liquid IRA Account0.341.510.010.481.500.1014
Money Market - $2.5k0.141.100.010.260.900.0312
Money Market - $10k0.161.100.010.280.900.0313
Money Market - $25k0.171.100.010.310.900.0515
Money Market - $50k0.201.100.010.350.900.0815
Money Market - $100k0.221.100.010.380.900.0816
Money Market - $250k0.231.100.010.391.000.1016
Regular Savings - $1k0.120.650.010.180.800.055
New Car - 36 Mo4.767.502.492.233.800.99-252
New Car - 48 Mo4.857.752.752.373.801.50-248
New Car - 60 Mo4.897.752.992.664.991.50-223
New Car - 72 Mo4.295.902.993.074.991.50-122
Used Car - 36 Mo5.569.752.492.625.201.49-294
Used Car - 48 Mo5.6010.002.752.745.201.50-286
Used Car - 60 Mo5.358.132.992.985.451.50-237
Used Car - 72 Mo4.105.003.253.586.451.50-52
New Boat - 60 Mo6.2610.584.504.316.701.50-196
Rewards Credit Card12.6117.906.7510.4612.758.75-214
Credit Card Platinum11.2515.906.658.6510.745.24-260
Credit Card Classic13.8519.908.6511.6718.005.24-218
Home Equity - LOC4.488.133.504.255.993.25-23
Home Equity - 5 Yr5.336.753.555.099.752.99-24
Home Equity - 10 Yr5.556.693.804.935.883.99-63
Home Equity - 15 Yr5.326.254.005.226.133.88-10
15 Yr Fixed3.7154.7502.7503.6553.7503.125-6
20 Yr Fixed4.0804.7503.3754.1634.3753.7508
30 Yr Fixed4.2364.6253.7504.3984.6253.87516
1 Yr ARM3.0803.1252.625 
3/1 ARM3.5254.6702.5002.8053.2501.875-72
5/1 ARM3.7374.7502.7503.3953.6252.625-34
7/1 ARM3.8155.0003.0003.6463.8753.000-17
New RV - 60 Mo6.0310.584.504.397.901.50-164
Unsecured - 36 Mo9.1814.005.858.6811.005.24-51
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* Represents the difference in the average rate between banks and credit unions.