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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.500.010.311.000.0514
6 Mo CD - $10k0.270.800.010.421.250.1015
1 Yr CD - $10k0.441.350.050.721.350.2528
18 Mo CD - $10k0.541.650.050.781.510.3525
2 Yr CD - $10k0.681.770.100.961.760.4028
30 Mo CD - $10k0.681.320.100.911.510.5522
3 Yr CD - $10k0.822.050.151.181.820.6037
4 Yr CD - $10k0.972.000.151.301.860.6533
5 Yr CD - $10k1.192.300.151.672.280.9548
1 Mo CD - $100k0.160.450.010.050.050.05-11
2 Mo CD - $100k0.170.450.01    
3 Mo CD - $100k0.190.600.010.521.000.0533
3 Mo CD - $250k   0.600.600.60 
6 Mo CD - $100k0.280.800.010.591.050.2031
6 Mo CD - $250k   0.650.650.65 
1 Yr CD - $100k0.441.350.051.041.510.2560
1 Yr CD - $250k   1.101.101.10 
2 Yr CD - $100k0.631.770.101.301.820.4567
2 Yr CD - $250k   1.401.401.40 
3 Yr CD - $100k0.782.050.151.532.070.6575
3 Yr CD - $250k   1.601.601.60 
Interest Checking - $5k0.090.400.010.130.350.054
Liquid IRA Account0.361.510.010.551.500.1019
Money Market - $2.5k0.151.100.010.281.100.0313
Money Market - $10k0.171.100.010.301.100.0313
Money Market - $25k0.181.100.010.341.100.0515
Money Market - $50k0.211.100.010.371.100.0816
Money Market - $100k0.231.100.010.401.100.0817
Money Market - $250k0.241.100.010.421.200.1018
Regular Savings - $1k0.130.650.010.180.800.055
New Car - 36 Mo4.827.502.492.303.651.49-252
New Car - 48 Mo4.917.752.752.403.651.49-251
New Car - 60 Mo4.957.752.992.613.991.49-234
New Car - 72 Mo4.486.002.993.064.991.49-142
Used Car - 36 Mo5.589.752.492.725.201.49-286
Used Car - 48 Mo5.6210.002.752.805.201.49-282
Used Car - 60 Mo5.438.133.003.005.451.49-243
Used Car - 72 Mo4.055.003.253.576.451.49-47
New Boat - 60 Mo6.3310.584.504.356.902.05-198
Rewards Credit Card12.8416.997.2510.7613.258.90-207
Credit Card Platinum11.6516.157.158.5310.994.90-312
Credit Card Classic14.0719.909.1511.8018.005.99-228
Home Equity - LOC4.787.254.004.625.994.00-16
Home Equity - 5 Yr5.686.754.635.309.752.99-38
Home Equity - 10 Yr5.846.694.885.205.883.99-65
Home Equity - 15 Yr5.926.495.135.476.134.25-45
15 Yr Fixed3.6524.7503.1253.5493.7503.000-10
20 Yr Fixed3.9634.1253.5003.9844.7503.6252
30 Yr Fixed4.1614.3754.0004.1424.2503.625-2
1 Yr ARM2.6562.5002.500 
3/1 ARM3.4134.3002.5002.8373.6251.875-58
5/1 ARM3.6374.6252.5003.4113.6252.625-23
7/1 ARM3.7515.2503.0003.6273.7502.875-12
New RV - 60 Mo6.0310.584.504.487.902.05-155
Unsecured - 36 Mo9.1814.006.258.8913.305.24-29
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* Represents the difference in the average rate between banks and credit unions.