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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.750.010.230.500.056
6 Mo CD - $10k0.251.040.010.341.000.019
1 Yr CD - $10k0.421.350.010.551.260.1013
18 Mo CD - $10k0.481.260.050.561.150.108
2 Yr CD - $10k0.591.600.050.761.600.2017
30 Mo CD - $10k0.621.550.050.701.300.308
3 Yr CD - $10k0.751.750.050.961.700.3021
4 Yr CD - $10k0.871.900.101.162.300.3029
5 Yr CD - $10k1.012.250.151.382.350.5037
1 Mo CD - $100k0.090.350.010.050.050.05-4
2 Mo CD - $100k0.090.350.01    
3 Mo CD - $100k0.170.700.010.290.550.0512
6 Mo CD - $100k0.251.040.010.380.850.1313
1 Yr CD - $100k0.431.350.010.601.260.2017
2 Yr CD - $100k0.591.600.050.801.550.3521
3 Yr CD - $100k0.711.800.051.051.650.5034
Interest Checking - $5k0.110.650.010.100.400.01-1
Liquid IRA Account0.232.020.010.351.600.0512
Money Market - $2.5k0.140.850.010.180.600.034
Money Market - $10k0.170.850.010.240.600.037
Money Market - $25k0.200.850.010.290.800.059
Money Market - $50k0.241.000.010.330.850.089
Money Market - $100k0.281.000.010.371.050.089
Money Market - $250k0.291.000.010.381.100.109
Regular Savings - $1k0.151.050.010.151.000.010
New Car - 36 Mo4.418.242.242.284.900.99-212
New Car - 48 Mo4.518.242.242.384.901.64-213
New Car - 60 Mo4.678.242.442.494.901.74-218
New Car - 72 Mo4.207.152.552.824.991.79-138
Used Car - 36 Mo4.998.842.242.545.901.49-245
Used Car - 48 Mo5.058.842.242.635.901.64-242
Used Car - 60 Mo4.557.002.742.755.901.74-179
Used Car - 72 Mo4.226.003.243.184.991.99-104
New Boat - 60 Mo5.7910.583.504.808.001.79-99
Rewards Credit Card12.7717.907.749.9613.207.90-281
Credit Card Platinum11.3815.907.749.0712.615.24-231
Credit Card Classic13.4117.909.9912.1617.115.24-126
Home Equity - LOC4.727.633.504.135.753.24-59
Home Equity - 5 Yr4.797.183.494.656.002.99-14
Home Equity - 10 Yr5.016.503.754.976.002.99-5
Home Equity - 15 Yr5.297.103.755.407.502.9910
15 Yr Fixed3.6784.3752.7503.6564.4502.970-2
20 Yr Fixed4.0764.5003.2504.1264.3753.4255
30 Yr Fixed4.2735.0003.5004.3584.5393.6269
1 Yr ARM2.9533.8502.2502.7783.0002.375-18
3/1 ARM3.3854.0002.6253.1744.1251.875-21
5/1 ARM3.6065.1252.7503.3934.6252.500-21
7/1 ARM3.7664.5003.0003.6324.6253.000-13
New RV - 60 Mo5.8410.583.504.828.001.79-102
Unsecured - 36 Mo8.6214.006.008.9112.904.9929
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* Represents the difference in the average rate between banks and credit unions.