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 - $10k0.190.850.010.300.700.0511
6 Mo CD - $10k0.290.850.010.430.850.0114
1 Yr CD - $10k0.481.450.010.681.500.1021
18 Mo CD - $10k0.541.600.050.741.500.1021
2 Yr CD - $10k0.651.800.050.891.750.2024
30 Mo CD - $10k0.691.650.050.791.300.2010
3 Yr CD - $10k0.831.800.051.092.000.3026
4 Yr CD - $10k0.921.950.101.292.350.3037
5 Yr CD - $10k1.102.300.201.512.500.5041
1 Mo CD - $100k0.090.350.010.050.050.05-4
2 Mo CD - $100k0.090.350.01    
3 Mo CD - $100k0.180.700.010.330.650.0515
6 Mo CD - $100k0.260.850.010.480.850.1322
1 Yr CD - $100k0.471.450.010.761.500.2329
2 Yr CD - $100k0.641.800.050.981.610.4134
3 Yr CD - $100k0.801.850.051.221.760.6042
Interest Checking - $5k0.110.650.010.100.400.01-1
Liquid IRA Account0.242.020.010.371.700.0313
Money Market - $2.5k0.150.850.010.200.600.036
Money Market - $10k0.180.850.010.270.600.039
Money Market - $25k0.211.120.010.320.900.0311
Money Market - $50k0.261.260.010.361.000.0510
Money Market - $100k0.291.260.010.411.200.0812
Money Market - $250k0.311.310.010.421.250.1011
Regular Savings - $1k0.151.200.010.161.260.011
New Car - 36 Mo4.549.002.302.354.901.49-218
New Car - 48 Mo4.659.002.452.464.901.64-218
New Car - 60 Mo4.759.002.452.604.901.74-215
New Car - 72 Mo4.077.152.552.904.901.79-117
Used Car - 36 Mo5.1210.252.492.605.901.64-252
Used Car - 48 Mo5.1710.252.492.685.901.64-249
Used Car - 60 Mo4.647.002.992.825.901.74-183
Used Car - 72 Mo4.166.003.243.265.292.10-91
New Boat - 60 Mo5.8510.603.504.818.001.79-104
Rewards Credit Card12.9918.157.9910.1213.707.90-287
Credit Card Platinum11.8216.157.909.3213.125.99-250
Credit Card Classic13.2616.999.9911.8517.625.99-140
Home Equity - LOC4.957.953.744.416.003.75-54
Home Equity - 5 Yr4.817.183.504.806.002.99-1
Home Equity - 10 Yr4.956.503.745.146.002.9919
Home Equity - 15 Yr5.086.503.745.567.502.9948
15 Yr Fixed3.6164.3752.8753.4683.7502.875-15
20 Yr Fixed3.9294.3753.5003.9024.3753.375-3
30 Yr Fixed4.1294.5003.7404.0534.4323.500-8
1 Yr ARM2.8503.5002.0002.9313.0002.3758
3/1 ARM3.2974.0002.6253.1434.1251.875-15
5/1 ARM3.5765.7502.5003.2954.3752.625-28
7/1 ARM3.6614.5002.8253.5604.7502.875-10
New RV - 60 Mo5.8410.603.504.848.001.79-99
Unsecured - 36 Mo8.5214.006.008.6512.904.9913
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* Represents the difference in the average rate between banks and credit unions.