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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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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 - $10k0.240.650.010.360.950.0512
1 Yr CD - $10k0.391.150.050.621.250.2523
18 Mo CD - $10k0.481.360.050.711.400.3523
2 Yr CD - $10k0.611.500.100.891.550.4027
30 Mo CD - $10k0.671.320.100.851.410.5518
3 Yr CD - $10k0.781.650.151.081.710.6030
4 Yr CD - $10k0.921.710.151.221.800.6530
5 Yr CD - $10k1.122.150.151.602.160.9548
1 Mo CD - $100k0.150.450.010.050.050.05-10
2 Mo CD - $100k0.170.450.01    
3 Mo CD - $100k0.180.600.010.390.900.0521
6 Mo CD - $100k0.260.700.010.510.950.2024
1 Yr CD - $100k0.421.150.050.911.410.2549
2 Yr CD - $100k0.581.350.101.221.710.4564
3 Yr CD - $100k0.761.650.151.411.960.6564
Interest Checking - $5k0.090.400.010.130.350.054
Liquid IRA Account0.341.510.010.471.500.1013
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 - $250k0.231.200.010.391.000.1016
Regular Savings - $1k0.120.650.010.180.800.056
New Car - 36 Mo4.767.502.492.303.801.49-246
New Car - 48 Mo4.857.752.752.413.801.69-243
New Car - 60 Mo4.907.752.992.724.991.89-218
New Car - 72 Mo4.405.902.993.144.992.25-126
Used Car - 36 Mo5.559.752.492.695.201.49-285
Used Car - 48 Mo5.5910.002.752.805.201.69-279
Used Car - 60 Mo5.358.132.993.055.451.89-230
Used Car - 72 Mo4.105.003.253.666.452.39-44
New Boat - 60 Mo6.3210.584.504.446.902.05-188
Rewards Credit Card12.7717.907.0010.5013.008.90-227
Credit Card Platinum11.4015.906.908.7110.745.74-269
Credit Card Classic13.9619.908.9011.7618.005.74-220
Home Equity - LOC4.638.133.754.375.993.25-26
Home Equity - 5 Yr5.466.753.905.099.752.99-37
Home Equity - 10 Yr5.636.694.155.045.883.99-59
Home Equity - 15 Yr5.696.494.355.346.134.25-35
15 Yr Fixed3.6654.7503.0003.5843.7503.000-8
20 Yr Fixed4.0154.7503.3754.0904.7503.7507
30 Yr Fixed4.1784.3753.7504.2664.3753.6259
1 Yr ARM3.0803.1252.625 
3/1 ARM3.5394.6702.5002.8053.2501.875-73
5/1 ARM3.6984.7502.8753.2483.6252.625-45
7/1 ARM3.8065.0003.0003.3863.6253.000-42
New RV - 60 Mo6.0210.584.504.527.902.05-150
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.