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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.350.030.480.650.3032
6 Mo CD - $10k0.190.500.030.490.750.3030
1 Yr CD - $10k0.310.750.051.001.250.5068
18 Mo CD - $10k0.310.500.031.161.750.3584
2 Yr CD - $10k0.531.200.031.071.450.5054
30 Mo CD - $10k0.350.800.031.461.461.46111
3 Yr CD - $10k0.772.000.031.251.750.7548
4 Yr CD - $10k0.902.000.101.291.601.0039
5 Yr CD - $10k1.112.000.031.852.171.2174
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 - $100k0.250.400.150.831.100.5558
2 Yr CD - $100k0.390.600.250.981.260.7059
3 Yr CD - $100k0.882.000.301.181.460.9030
Interest Checking - $5k0.040.150.010.100.150.056
Liquid IRA Account0.200.600.050.260.600.106
Money Market - $2.5k0.060.100.010.280.300.2522
Money Market - $10k0.090.150.010.350.450.2526
Money Market - $25k0.120.200.010.390.450.3028
Money Market - $50k0.160.300.010.630.750.4547
Money Market - $100k0.190.300.010.650.750.4546
Money Market - $250k0.200.300.010.650.750.4545
Regular Savings - $1k0.060.100.010.331.000.1026
New Car - 36 Mo4.777.492.372.543.252.25-223
New Car - 48 Mo4.817.492.372.713.502.44-210
New Car - 60 Mo4.977.492.873.103.752.44-187
New Car - 72 Mo4.405.742.873.464.002.44-94
Used Car - 36 Mo5.398.493.372.543.252.25-286
Used Car - 48 Mo5.448.493.372.713.502.44-273
Used Car - 60 Mo4.836.063.373.103.752.44-173
Used Car - 72 Mo4.956.043.943.353.702.44-160
New Boat - 60 Mo6.179.003.503.273.752.99-290
Rewards Credit Card13.6217.2410.997.868.407.45-576
Credit Card Platinum11.5214.499.997.438.156.40-408
Credit Card Classic12.8714.4911.2412.0012.0012.00-87
Home Equity - LOC5.137.004.254.174.504.00-97
Home Equity - 5 Yr5.097.013.503.053.502.95-204
Home Equity - 10 Yr5.287.034.004.064.253.95-122
Home Equity - 15 Yr5.627.104.754.875.254.74-76
15 Yr Fixed4.0554.1253.5003.9773.8753.625-8
20 Yr Fixed4.2454.5003.6254.1504.2503.875-9
30 Yr Fixed4.4494.7504.0004.3724.6254.125-8
1 Yr ARM2.9693.5002.2502.4052.2502.250-56
3/1 ARM3.6604.8752.5002.8613.0002.500-80
5/1 ARM3.7594.3752.5003.6234.1252.625-14
7/1 ARM4.0174.6252.8754.2314.5003.62521
New RV - 60 Mo6.189.003.503.273.752.99-291
Unsecured - 36 Mo10.6314.756.249.6410.507.99-99
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* Represents the difference in the average rate between banks and credit unions.