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 - $10k0.150.350.030.430.550.3027
6 Mo CD - $10k0.210.600.030.460.650.3025
1 Yr CD - $10k0.381.500.050.941.250.5057
18 Mo CD - $10k0.481.550.030.831.300.3534
2 Yr CD - $10k0.631.650.031.001.400.5037
30 Mo CD - $10k0.441.250.031.411.411.4197
3 Yr CD - $10k0.772.000.031.191.650.7542
4 Yr CD - $10k0.891.900.101.271.601.0038
5 Yr CD - $10k1.122.400.031.822.151.2171
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 - $100k0.571.250.250.931.150.7036
3 Yr CD - $100k0.681.000.301.131.360.9045
Interest Checking - $5k0.040.150.010.100.150.056
Liquid IRA Account0.200.600.050.260.600.106
Money Market - $2.5k0.060.100.010.270.300.2521
Money Market - $10k0.090.150.010.330.400.2525
Money Market - $25k0.120.200.010.380.450.3026
Money Market - $50k0.160.300.010.600.750.4544
Money Market - $100k0.190.300.010.600.750.4541
Money Market - $250k0.200.300.010.600.750.4540
Regular Savings - $1k0.131.200.010.321.000.1019
New Car - 36 Mo4.767.492.372.362.502.25-239
New Car - 48 Mo4.797.492.372.532.702.39-227
New Car - 60 Mo5.087.492.872.973.152.39-212
New Car - 72 Mo4.325.742.873.373.702.39-95
Used Car - 36 Mo5.388.493.372.362.502.25-302
Used Car - 48 Mo5.438.493.372.532.702.39-290
Used Car - 60 Mo4.736.253.372.973.152.39-177
Used Car - 72 Mo4.936.043.843.343.702.39-159
New Boat - 60 Mo6.319.003.503.133.392.99-317
Rewards Credit Card13.4716.9910.747.748.157.45-573
Credit Card Platinum11.3414.499.997.187.906.15-416
Credit Card Classic12.7414.4910.9912.0012.0012.00-74
Home Equity - LOC4.896.494.003.964.253.75-93
Home Equity - 5 Yr4.877.013.503.053.502.95-182
Home Equity - 10 Yr5.117.034.004.064.253.95-105
Home Equity - 15 Yr5.417.104.504.875.254.74-55
15 Yr Fixed3.7123.8753.2503.5493.5003.250-16
20 Yr Fixed3.9934.1253.6253.8623.8753.625-13
30 Yr Fixed4.2314.8003.8754.0614.2503.875-17
1 Yr ARM2.8343.5002.1252.4052.2502.250-43
3/1 ARM3.5704.8752.5002.7352.7502.500-83
5/1 ARM3.5924.2502.5003.3133.7502.625-28
7/1 ARM3.8114.3752.8753.8214.1253.2501
New RV - 60 Mo6.339.003.503.133.392.99-319
Unsecured - 36 Mo10.5414.756.699.6410.507.99-90
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* Represents the difference in the average rate between banks and credit unions.