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 - $10k0.070.150.010.311.120.0524
6 Mo CD - $10k0.130.350.010.571.210.1544
1 Yr CD - $10k0.220.650.011.041.760.1882
18 Mo CD - $10k0.300.750.051.021.800.3572
2 Yr CD - $10k0.390.850.051.322.010.4094
30 Mo CD - $10k0.400.900.051.291.600.7889
3 Yr CD - $10k0.651.300.051.432.120.7579
4 Yr CD - $10k0.781.800.101.712.201.0093
5 Yr CD - $10k1.082.050.162.132.801.25104
1 Mo CD - $100k0.060.100.010.350.350.3530
2 Mo CD - $100k0.060.100.010.350.350.3529
3 Mo CD - $100k0.080.250.010.210.500.0513
6 Mo CD - $100k0.150.400.010.520.750.1537
1 Yr CD - $100k0.240.600.011.081.760.1885
2 Yr CD - $100k0.390.900.051.412.010.90102
3 Yr CD - $100k0.651.200.051.401.960.8075
Interest Checking - $5k0.050.150.010.090.400.054
Liquid IRA Account0.080.170.010.250.650.0517
Money Market - $2.5k0.070.200.010.180.750.0511
Money Market - $10k0.080.200.010.230.750.0515
Money Market - $25k0.110.200.010.270.750.1216
Money Market - $50k0.120.210.010.300.750.1518
Money Market - $100k0.150.350.010.360.750.1521
Money Market - $250k0.170.400.010.380.750.1521
Regular Savings - $1k0.050.200.010.130.500.058
New Car - 36 Mo3.755.072.793.133.992.30-62
New Car - 48 Mo3.805.072.793.203.992.30-60
New Car - 60 Mo3.865.452.793.243.992.30-62
New Car - 72 Mo4.115.453.083.454.242.40-66
Used Car - 36 Mo4.125.952.993.123.992.30-100
Used Car - 48 Mo4.155.953.093.193.992.30-96
Used Car - 60 Mo4.205.953.093.233.992.30-96
Used Car - 72 Mo4.415.403.753.516.002.40-89
New Boat - 60 Mo6.1210.604.594.105.492.39-202
Rewards Credit Card12.2616.998.1510.5116.908.59-175
Credit Card Platinum11.8516.158.159.4412.957.74-240
Credit Card Classic13.5716.0010.2410.2915.006.50-328
Home Equity - LOC5.157.333.954.516.003.75-63
Home Equity - 5 Yr4.916.493.255.147.883.0024
Home Equity - 10 Yr5.476.994.505.567.883.759
Home Equity - 15 Yr6.177.495.006.107.904.50-7
15 Yr Fixed3.6263.6253.0003.5884.5002.970-4
20 Yr Fixed3.9544.1253.5003.9165.0003.425-4
30 Yr Fixed4.0724.1253.7404.0774.3753.6261
1 Yr ARM3.4614.0002.750 
3/1 ARM3.3123.6252.8753.9104.1253.50060
5/1 ARM3.6094.1252.9723.6154.5002.9901
7/1 ARM3.7064.0003.1253.9274.6253.50022
New RV - 60 Mo6.0710.604.254.005.492.40-207
Unsecured - 36 Mo9.9012.427.259.2513.106.99-66
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* Represents the difference in the average rate between banks and credit unions.