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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.350.030.380.450.3022
6 Mo CD - $10k0.210.600.030.440.550.3023
1 Yr CD - $10k0.371.400.050.801.230.5043
18 Mo CD - $10k0.401.450.030.811.250.3541
2 Yr CD - $10k0.601.550.030.941.250.5034
30 Mo CD - $10k0.421.050.031.131.261.0071
3 Yr CD - $10k0.771.900.031.121.550.7536
4 Yr CD - $10k0.891.800.101.241.501.0035
5 Yr CD - $10k1.152.250.031.762.151.2162
1 Mo CD - $100k0.100.150.05    
2 Mo CD - $100k0.100.150.05    
3 Mo CD - $100k0.120.200.050.450.450.4533
6 Mo CD - $100k0.140.250.050.450.550.3531
1 Yr CD - $100k0.250.400.150.781.000.5553
2 Yr CD - $100k0.531.050.250.931.150.7040
3 Yr CD - $100k0.681.000.301.131.360.9045
Interest Checking - $5k0.040.150.010.090.150.055
Liquid IRA Account0.200.600.050.260.600.106
Money Market - $2.5k0.060.100.010.230.250.1017
Money Market - $10k0.090.150.010.270.350.1018
Money Market - $25k0.120.200.010.300.350.1018
Money Market - $50k0.160.300.010.480.600.1332
Money Market - $100k0.190.300.010.490.600.1930
Money Market - $250k0.200.300.010.490.600.1929
Regular Savings - $1k0.131.200.010.321.000.1019
New Car - 36 Mo4.757.492.372.332.502.25-242
New Car - 48 Mo4.797.492.372.502.702.29-229
New Car - 60 Mo5.087.492.872.933.152.29-214
New Car - 72 Mo4.315.492.873.343.702.29-98
Used Car - 36 Mo5.348.493.242.332.502.25-301
Used Car - 48 Mo5.388.493.242.502.702.29-289
Used Car - 60 Mo4.676.063.242.933.152.29-174
Used Car - 72 Mo4.765.793.243.303.702.29-146
New Boat - 60 Mo6.379.003.503.333.792.99-303
Rewards Credit Card13.3616.7410.747.748.157.45-562
Credit Card Platinum11.2714.499.497.187.906.15-408
Credit Card Classic12.7414.4910.9912.0012.0012.00-74
Home Equity - LOC4.786.554.003.964.253.75-82
Home Equity - 5 Yr4.787.013.503.053.502.95-173
Home Equity - 10 Yr5.087.034.004.054.253.95-103
Home Equity - 15 Yr5.447.104.504.855.254.69-59
15 Yr Fixed3.5973.7503.1253.4243.3753.125-17
20 Yr Fixed3.9254.0003.5003.8003.8753.500-13
30 Yr Fixed4.2064.8003.8754.0204.2503.875-19
1 Yr ARM2.7753.2502.1252.4052.2502.250-37
3/1 ARM3.4284.3752.5002.5472.5002.375-88
5/1 ARM3.4764.2502.5003.0833.3752.500-39
7/1 ARM3.6824.1252.8753.8594.1253.25018
New RV - 60 Mo6.379.003.503.333.792.99-304
Unsecured - 36 Mo10.5714.756.699.6410.507.99-92
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* Represents the difference in the average rate between banks and credit unions.