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 - $10k0.110.500.010.240.500.0513
6 Mo CD - $10k0.190.900.010.401.000.0521
1 Yr CD - $10k0.311.400.040.611.260.1030
18 Mo CD - $10k0.351.450.040.691.310.1534
2 Yr CD - $10k0.421.600.050.871.510.1545
30 Mo CD - $10k0.391.300.000.881.500.2049
3 Yr CD - $10k0.571.750.121.051.650.2047
4 Yr CD - $10k0.701.900.151.382.020.3568
5 Yr CD - $10k0.862.250.151.542.270.7069
1 Mo CD - $100k0.080.500.010.050.050.05-3
2 Mo CD - $100k0.090.500.01    
3 Mo CD - $100k0.110.500.010.280.550.0516
6 Mo CD - $100k0.200.900.010.521.000.2232
1 Yr CD - $100k0.321.400.050.761.260.2544
2 Yr CD - $100k0.421.600.091.051.550.4163
3 Yr CD - $100k0.571.800.121.241.660.5167
Interest Checking - $5k0.060.250.010.120.500.036
Liquid IRA Account0.150.850.010.561.600.0542
Money Market - $2.5k0.080.850.010.271.040.0119
Money Market - $10k0.131.030.010.291.040.0116
Money Market - $25k0.171.030.010.331.040.0515
Money Market - $50k0.201.030.010.361.040.0516
Money Market - $100k0.241.030.010.381.040.0515
Money Market - $250k0.261.030.010.391.040.0513
Regular Savings - $1k0.081.050.010.191.000.0110
New Car - 36 Mo3.747.001.992.413.341.49-134
New Car - 48 Mo3.887.002.302.543.341.89-134
New Car - 60 Mo3.957.002.442.593.391.89-137
New Car - 72 Mo3.986.002.553.014.501.95-97
Used Car - 36 Mo4.277.252.443.015.251.79-126
Used Car - 48 Mo4.367.252.443.065.251.90-131
Used Car - 60 Mo4.308.992.543.145.251.90-116
Used Car - 72 Mo4.135.252.993.515.251.99-62
New Boat - 60 Mo5.8510.593.505.7210.502.09-13
Rewards Credit Card13.2517.909.9910.1314.496.90-311
Credit Card Platinum11.3315.908.498.8513.506.90-248
Credit Card Classic12.9718.009.9910.1515.495.25-282
Home Equity - LOC4.367.293.494.265.993.75-10
Home Equity - 5 Yr4.817.013.244.627.242.99-20
Home Equity - 10 Yr5.127.033.755.047.243.00-8
Home Equity - 15 Yr5.217.103.755.487.503.0027
15 Yr Fixed3.7085.7503.0003.7934.6253.0009
20 Yr Fixed4.0744.6253.4254.1975.1253.62512
30 Yr Fixed4.2994.6253.7404.3945.3753.8759
1 Yr ARM3.6334.1252.2503.7074.5002.5007
3/1 ARM3.6305.0003.0003.5684.8751.875-6
5/1 ARM3.6395.5002.7503.5184.2502.625-12
7/1 ARM3.7264.5003.0003.7284.7502.8750
New RV - 60 Mo5.8910.593.505.7510.502.09-14
Unsecured - 36 Mo9.8518.006.009.7318.006.99-12
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* Represents the difference in the average rate between banks and credit unions.