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 - $10k0.160.350.030.380.450.3022
6 Mo CD - $10k0.200.500.030.400.550.2520
1 Yr CD - $10k0.320.750.050.681.000.4537
18 Mo CD - $10k0.320.500.030.621.050.3530
2 Yr CD - $10k0.511.010.030.791.350.5028
30 Mo CD - $10k0.340.800.030.981.000.9563
3 Yr CD - $10k0.691.250.031.021.650.7533
4 Yr CD - $10k0.841.500.101.121.501.0028
5 Yr CD - $10k1.122.150.031.532.051.2141
1 Mo CD - $100k0.140.300.05    
2 Mo CD - $100k0.140.300.05    
3 Mo CD - $100k0.170.300.050.450.450.4528
6 Mo CD - $100k0.180.300.050.450.550.3527
1 Yr CD - $100k0.290.400.150.750.950.5546
2 Yr CD - $100k0.430.600.250.901.100.7047
3 Yr CD - $100k0.811.260.301.111.310.9029
Interest Checking - $5k0.040.150.010.090.150.055
Liquid IRA Account0.200.600.050.220.550.102
Money Market - $2.5k0.060.100.010.170.250.0511
Money Market - $10k0.080.150.010.210.350.1013
Money Market - $25k0.100.200.010.240.350.1014
Money Market - $50k0.150.250.010.370.550.1322
Money Market - $100k0.180.300.010.390.550.1921
Money Market - $250k0.190.300.010.390.550.1920
Regular Savings - $1k0.060.100.010.381.000.0531
New Car - 36 Mo4.777.492.372.262.502.09-251
New Car - 48 Mo4.817.492.372.432.702.09-238
New Car - 60 Mo5.107.492.872.873.152.09-224
New Car - 72 Mo4.355.492.873.273.702.09-108
Used Car - 36 Mo5.568.493.242.262.502.09-330
Used Car - 48 Mo5.618.493.242.432.702.09-318
Used Car - 60 Mo4.996.953.242.873.152.09-212
Used Car - 72 Mo4.915.793.243.233.702.09-168
New Boat - 60 Mo6.439.003.503.023.152.99-341
Rewards Credit Card12.7215.2410.247.507.657.40-522
Credit Card Platinum11.0513.999.246.767.405.65-429
Credit Card Classic12.1213.9910.2412.0012.0012.00-12
Home Equity - LOC4.596.253.503.584.003.25-101
Home Equity - 5 Yr4.697.013.503.053.502.95-164
Home Equity - 10 Yr5.007.034.004.054.253.95-95
Home Equity - 15 Yr5.367.104.254.835.254.49-53
15 Yr Fixed3.6953.6253.2503.5883.5003.125-11
20 Yr Fixed4.1424.2503.7504.0694.1253.625-7
30 Yr Fixed4.3654.7503.9904.2784.3754.000-9
1 Yr ARM2.7453.0002.1252.4052.2502.250-34
3/1 ARM3.3424.1252.5002.6122.5002.375-73
5/1 ARM3.4273.8752.5003.0073.3752.500-42
7/1 ARM3.7224.1252.8753.7764.2502.9905
New RV - 60 Mo6.439.003.503.023.152.99-341
Unsecured - 36 Mo10.8514.756.999.6710.507.99-118
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* Represents the difference in the average rate between banks and credit unions.