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 - $10k0.210.800.010.340.600.0513
6 Mo CD - $10k0.311.000.010.511.300.0120
1 Yr CD - $10k0.541.850.010.801.870.1026
18 Mo CD - $10k0.632.250.050.901.970.1027
2 Yr CD - $10k0.722.050.051.012.020.2029
30 Mo CD - $10k0.721.750.050.981.750.2027
3 Yr CD - $10k0.872.050.051.192.070.3032
4 Yr CD - $10k0.962.200.101.382.350.3043
5 Yr CD - $10k1.142.500.201.622.500.5049
1 Mo CD - $100k0.110.350.010.050.050.05-6
2 Mo CD - $100k0.100.350.01    
3 Mo CD - $100k0.200.800.010.400.700.0521
6 Mo CD - $100k0.311.000.010.631.300.1332
1 Yr CD - $100k0.551.850.010.981.870.2343
2 Yr CD - $100k0.712.050.051.182.020.4147
3 Yr CD - $100k0.842.050.051.392.070.6055
Interest Checking - $5k0.110.650.010.110.400.010
Liquid IRA Account0.242.020.010.381.750.0314
Money Market - $2.5k0.161.050.010.240.600.038
Money Market - $10k0.181.050.010.300.650.0312
Money Market - $25k0.221.050.010.361.000.0314
Money Market - $50k0.271.260.010.401.100.0513
Money Market - $100k0.321.260.010.471.400.0814
Money Market - $250k0.341.350.010.471.450.1013
Regular Savings - $1k0.161.500.010.171.260.031
New Car - 36 Mo4.639.002.302.504.901.49-213
New Car - 48 Mo4.739.002.452.614.901.74-213
New Car - 60 Mo4.819.002.452.744.901.74-207
New Car - 72 Mo4.207.152.553.034.901.79-116
Used Car - 36 Mo5.2110.252.492.745.901.74-247
Used Car - 48 Mo5.2510.252.492.825.901.74-243
Used Car - 60 Mo4.747.002.992.965.901.74-178
Used Car - 72 Mo4.236.003.243.435.592.05-80
New Boat - 60 Mo5.9210.603.504.768.001.79-116
Rewards Credit Card13.0716.997.9910.2313.707.90-284
Credit Card Platinum12.0616.407.909.5413.476.24-253
Credit Card Classic13.3717.908.4912.0317.976.24-135
Home Equity - LOC5.048.104.004.616.003.99-43
Home Equity - 5 Yr5.027.183.754.846.002.99-18
Home Equity - 10 Yr5.106.503.755.186.142.997
Home Equity - 15 Yr5.336.503.755.647.502.9932
15 Yr Fixed3.8764.5003.1253.9734.1252.97010
20 Yr Fixed4.0564.5001.0004.2944.3753.42524
30 Yr Fixed4.2884.8753.7504.4624.7503.62617
1 Yr ARM3.5663.5003.5003.3113.7502.375-26
3/1 ARM3.3814.0001.0003.2964.2502.000-9
5/1 ARM3.7275.5002.5003.5414.7502.625-19
7/1 ARM3.8114.7502.8253.7884.7503.000-2
New RV - 60 Mo5.9110.603.504.828.001.79-108
Unsecured - 36 Mo8.5614.006.008.4912.904.99-8
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* Represents the difference in the average rate between banks and credit unions.