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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.350.030.380.450.3023
6 Mo CD - $10k0.210.600.030.400.550.2519
1 Yr CD - $10k0.371.400.050.660.850.4529
18 Mo CD - $10k0.391.450.030.671.050.3528
2 Yr CD - $10k0.601.550.030.811.250.5022
30 Mo CD - $10k0.421.050.031.131.261.0071
3 Yr CD - $10k0.761.900.031.041.550.7528
4 Yr CD - $10k0.891.800.101.141.501.0026
5 Yr CD - $10k1.142.250.031.662.151.2151
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 - $100k0.250.400.150.750.950.5550
2 Yr CD - $100k0.531.050.250.901.100.7037
3 Yr CD - $100k0.681.000.301.111.310.9043
Interest Checking - $5k0.040.150.010.090.150.055
Liquid IRA Account0.200.600.050.270.600.107
Money Market - $2.5k0.060.100.010.190.250.0514
Money Market - $10k0.080.150.010.240.350.1016
Money Market - $25k0.110.200.010.280.350.1017
Money Market - $50k0.150.250.010.410.600.1326
Money Market - $100k0.190.300.010.430.600.1924
Money Market - $250k0.200.300.010.430.600.1924
Regular Savings - $1k0.121.050.010.301.000.0518
New Car - 36 Mo4.767.492.372.312.502.24-245
New Car - 48 Mo4.807.492.372.472.702.29-233
New Car - 60 Mo5.097.492.872.883.152.29-221
New Car - 72 Mo4.335.492.873.283.702.29-105
Used Car - 36 Mo5.358.493.242.312.502.24-304
Used Car - 48 Mo5.398.493.242.472.702.29-293
Used Car - 60 Mo4.696.063.242.883.152.29-180
Used Car - 72 Mo4.765.793.243.223.702.29-154
New Boat - 60 Mo6.379.003.503.083.292.99-329
Rewards Credit Card13.1616.7410.497.677.907.45-550
Credit Card Platinum11.1013.999.496.857.655.90-425
Credit Card Classic12.1213.9910.2412.0012.0012.00-12
Home Equity - LOC4.716.254.003.704.003.50-101
Home Equity - 5 Yr4.717.013.503.073.502.95-164
Home Equity - 10 Yr5.057.034.004.074.253.95-98
Home Equity - 15 Yr5.407.104.254.885.254.69-52
15 Yr Fixed3.5633.6253.1253.4893.5003.125-7
20 Yr Fixed3.9594.0003.5003.9074.0003.625-5
30 Yr Fixed4.2064.8003.8754.1054.3753.875-10
1 Yr ARM2.7843.2502.1252.4052.2502.250-38
3/1 ARM3.3174.1252.5002.5482.5002.375-77
5/1 ARM3.3503.7502.5003.0233.3752.375-33
7/1 ARM3.5834.0002.8753.5984.1253.1252
New RV - 60 Mo6.379.003.503.083.292.99-329
Unsecured - 36 Mo10.5914.756.699.6210.507.99-97
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* Represents the difference in the average rate between banks and credit unions.