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 - $10k0.110.500.010.250.500.0514
6 Mo CD - $10k0.190.900.010.401.000.0521
1 Yr CD - $10k0.321.400.040.631.400.1031
18 Mo CD - $10k0.401.450.040.701.400.1529
2 Yr CD - $10k0.431.650.050.851.550.1542
30 Mo CD - $10k0.401.150.000.901.560.2050
3 Yr CD - $10k0.601.800.121.081.760.2048
4 Yr CD - $10k0.721.950.151.392.020.3567
5 Yr CD - $10k0.862.300.151.572.270.7071
1 Mo CD - $100k0.080.500.010.050.050.05-3
2 Mo CD - $100k0.100.500.01    
3 Mo CD - $100k0.110.500.010.280.550.0516
6 Mo CD - $100k0.200.900.010.511.000.2231
1 Yr CD - $100k0.331.400.050.781.360.2545
2 Yr CD - $100k0.431.650.091.061.600.4162
3 Yr CD - $100k0.591.850.121.251.760.5167
Interest Checking - $5k0.060.250.010.120.500.036
Liquid IRA Account0.150.850.010.571.650.0542
Money Market - $2.5k0.080.850.010.291.260.0121
Money Market - $10k0.120.850.010.311.260.0119
Money Market - $25k0.160.850.010.351.260.0519
Money Market - $50k0.190.850.010.381.260.0519
Money Market - $100k0.220.850.010.401.260.0518
Money Market - $250k0.250.850.010.411.260.0516
Regular Savings - $1k0.091.050.010.191.250.0210
New Car - 36 Mo3.867.002.092.443.741.49-141
New Car - 48 Mo3.987.002.302.553.741.79-143
New Car - 60 Mo4.057.002.442.623.891.89-144
New Car - 72 Mo4.026.002.553.034.501.95-98
Used Car - 36 Mo4.357.252.443.005.251.79-135
Used Car - 48 Mo4.387.252.443.075.251.79-132
Used Car - 60 Mo4.308.992.543.145.251.90-115
Used Car - 72 Mo4.135.252.993.505.291.99-63
New Boat - 60 Mo5.9610.593.505.7410.502.09-21
Rewards Credit Card13.3417.909.9910.1014.496.90-324
Credit Card Platinum11.4815.908.748.6110.355.75-286
Credit Card Classic13.3718.0010.2410.5915.748.35-277
Home Equity - LOC4.517.043.494.385.993.75-13
Home Equity - 5 Yr4.887.013.494.607.242.99-28
Home Equity - 10 Yr5.137.033.755.107.243.00-3
Home Equity - 15 Yr5.297.103.755.527.753.0023
15 Yr Fixed3.6915.7503.0003.6964.6253.0001
20 Yr Fixed4.0684.7503.5004.1055.0003.5004
30 Yr Fixed4.2615.5003.7404.3015.3753.6254
1 Yr ARM3.5874.2201.8753.2854.0492.500-30
3/1 ARM3.5794.7503.0003.3744.1251.875-20
5/1 ARM3.6135.5002.8753.5024.6252.625-11
7/1 ARM3.7074.5003.0003.6894.8752.875-2
New RV - 60 Mo5.9410.593.505.7710.502.09-17
Unsecured - 36 Mo9.9418.006.009.5118.006.49-43
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* Represents the difference in the average rate between banks and credit unions.