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 - $10k0.200.800.010.300.700.0511
6 Mo CD - $10k0.290.850.010.461.000.0117
1 Yr CD - $10k0.491.650.010.741.610.1025
18 Mo CD - $10k0.571.660.050.821.770.1025
2 Yr CD - $10k0.661.800.050.921.820.2026
30 Mo CD - $10k0.681.650.050.841.350.2016
3 Yr CD - $10k0.831.800.051.131.950.3029
4 Yr CD - $10k0.922.000.101.302.350.3037
5 Yr CD - $10k1.102.300.201.532.500.5042
1 Mo CD - $100k0.090.350.010.050.050.05-4
2 Mo CD - $100k0.100.350.01    
3 Mo CD - $100k0.180.800.010.340.650.0515
6 Mo CD - $100k0.270.850.010.541.000.1328
1 Yr CD - $100k0.491.650.010.911.660.2342
2 Yr CD - $100k0.651.800.051.051.820.4140
3 Yr CD - $100k0.811.850.051.311.950.6050
Interest Checking - $5k0.110.650.010.100.400.01-1
Liquid IRA Account0.242.020.010.361.700.0312
Money Market - $2.5k0.150.850.010.210.600.036
Money Market - $10k0.180.850.010.270.600.0310
Money Market - $25k0.211.120.010.330.900.0311
Money Market - $50k0.261.260.010.361.000.0510
Money Market - $100k0.301.260.010.411.250.0811
Money Market - $250k0.321.310.010.421.300.1011
Regular Savings - $1k0.151.300.010.161.260.010
New Car - 36 Mo4.589.002.302.384.901.49-220
New Car - 48 Mo4.719.002.452.494.901.64-221
New Car - 60 Mo4.789.002.452.634.901.74-215
New Car - 72 Mo4.137.152.552.924.901.79-121
Used Car - 36 Mo5.1510.252.492.655.901.64-251
Used Car - 48 Mo5.2010.252.492.725.901.64-248
Used Car - 60 Mo4.757.002.992.865.901.74-189
Used Car - 72 Mo4.226.003.243.315.292.10-91
New Boat - 60 Mo5.8810.603.504.818.001.79-107
Rewards Credit Card12.9516.997.9910.1213.707.90-283
Credit Card Platinum11.8316.157.909.3213.155.99-251
Credit Card Classic13.1917.908.2411.7217.655.99-147
Home Equity - LOC4.987.883.744.426.003.75-56
Home Equity - 5 Yr4.857.183.504.816.002.99-5
Home Equity - 10 Yr5.006.503.745.156.002.9914
Home Equity - 15 Yr5.146.503.745.567.502.9943
15 Yr Fixed3.6644.2503.1253.5513.7502.970-11
20 Yr Fixed3.9824.3753.5003.9594.3753.425-2
30 Yr Fixed4.1544.5003.6254.1514.7503.6250
1 Yr ARM2.8493.5002.0002.9313.0002.3758
3/1 ARM3.3504.0002.6253.2224.2501.875-13
5/1 ARM3.6105.7502.5003.4314.6252.625-18
7/1 ARM3.7114.5002.8253.6634.7503.000-5
New RV - 60 Mo5.8510.603.504.888.001.79-97
Unsecured - 36 Mo8.5314.006.008.5112.904.99-3
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* Represents the difference in the average rate between banks and credit unions.