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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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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 - $10k0.381.500.050.811.230.5044
18 Mo CD - $10k0.401.550.030.811.250.3541
2 Yr CD - $10k0.611.650.030.991.350.5037
30 Mo CD - $10k0.441.250.031.261.261.2682
3 Yr CD - $10k0.772.000.031.181.650.7541
4 Yr CD - $10k0.891.900.101.251.551.0036
5 Yr CD - $10k1.132.400.031.802.151.2167
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 - $5k0.040.150.010.090.150.055
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 Mo4.777.492.372.362.502.25-240
New Car - 48 Mo4.817.492.372.532.702.39-228
New Car - 60 Mo5.097.492.872.973.152.39-213
New Car - 72 Mo4.345.492.873.373.702.39-97
Used Car - 36 Mo5.348.493.372.362.502.25-298
Used Car - 48 Mo5.388.493.372.532.702.39-286
Used Car - 60 Mo4.676.253.372.973.152.39-171
Used Car - 72 Mo4.805.793.443.343.702.39-146
New Boat - 60 Mo6.469.003.503.133.392.99-333
Rewards Credit Card13.4116.9910.747.748.157.45-568
Credit Card Platinum11.3814.499.997.187.906.15-420
Credit Card Classic12.3714.4910.2412.0012.0012.00-37
Home Equity - LOC4.766.494.003.964.253.75-80
Home Equity - 5 Yr4.797.013.503.063.502.95-172
Home Equity - 10 Yr5.097.034.004.074.253.95-102
Home Equity - 15 Yr5.427.104.504.875.254.74-55
15 Yr Fixed3.5433.7503.0003.3613.2503.000-18
20 Yr Fixed3.8844.0003.5003.7583.7503.500-13
30 Yr Fixed4.1234.8003.7503.9964.1253.750-13
1 Yr ARM2.7953.2502.1252.4052.2502.250-39
3/1 ARM3.4374.2502.5002.5472.5002.375-89
5/1 ARM3.4604.2502.5003.0623.3752.500-40
7/1 ARM3.6794.1252.8753.7954.1253.25012
New RV - 60 Mo6.459.003.503.133.392.99-332
Unsecured - 36 Mo10.5514.756.699.6410.507.99-91
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* Represents the difference in the average rate between banks and credit unions.