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 - $10k0.190.800.010.301.320.0510
6 Mo CD - $10k0.361.250.010.401.430.104
1 Yr CD - $10k0.661.510.010.641.580.15-2
18 Mo CD - $10k0.771.800.010.721.680.20-6
2 Yr CD - $10k0.921.760.010.891.790.25-3
30 Mo CD - $10k0.901.750.010.931.600.353
3 Yr CD - $10k1.042.000.011.092.000.355
4 Yr CD - $10k1.182.170.011.302.260.5012
5 Yr CD - $10k1.392.400.011.552.360.7516
1 Mo CD - $100k0.120.350.010.100.150.05-2
2 Mo CD - $100k0.140.500.01    
3 Mo CD - $100k0.180.750.010.260.650.058
6 Mo CD - $100k0.371.250.010.430.850.106
1 Yr CD - $100k0.701.500.010.881.500.2319
2 Yr CD - $100k0.931.750.031.061.600.4112
3 Yr CD - $100k1.052.000.031.342.000.6029
Interest Checking - $5k0.131.010.010.141.000.012
Liquid IRA Account0.231.200.010.332.140.0111
Money Market - $2.5k0.171.260.010.150.500.01-1
Money Market - $10k0.201.260.010.170.550.01-3
Money Market - $25k0.251.260.010.210.600.05-4
Money Market - $50k0.291.260.010.321.500.053
Money Market - $100k0.341.260.010.381.500.053
Money Market - $250k0.361.260.010.391.500.052
Regular Savings - $1k0.181.200.010.171.250.01-1
New Car - 36 Mo4.988.242.372.534.501.49-245
New Car - 48 Mo5.078.742.372.724.751.84-235
New Car - 60 Mo5.149.242.792.915.001.99-222
New Car - 72 Mo4.487.492.873.345.492.24-114
Used Car - 36 Mo5.759.502.992.864.501.99-289
Used Car - 48 Mo5.728.743.043.044.751.99-268
Used Car - 60 Mo5.169.243.043.225.001.99-195
Used Car - 72 Mo4.195.403.443.675.492.35-52
New Boat - 60 Mo7.6512.244.005.3410.501.99-230
Rewards Credit Card13.6518.159.9910.4614.996.24-319
Credit Card Platinum11.8624.999.749.3012.905.99-257
Credit Card Classic13.4916.909.9911.2116.405.99-227
Home Equity - LOC4.978.293.504.205.503.00-77
Home Equity - 5 Yr4.378.993.134.557.242.8818
Home Equity - 10 Yr4.858.993.635.087.243.7423
Home Equity - 15 Yr5.178.993.885.407.253.9923
15 Yr Fixed3.4593.7503.0003.4323.5232.860-3
20 Yr Fixed3.9174.7503.3753.8574.1253.337-6
30 Yr Fixed4.0724.7503.7004.0544.3753.500-2
1 Yr ARM3.0395.5002.0003.1644.0352.00013
3/1 ARM3.4064.1252.6253.2874.1251.875-12
5/1 ARM3.4184.0002.7503.3274.5002.500-9
7/1 ARM3.5674.6252.8753.5944.6252.7503
New RV - 60 Mo7.3811.244.005.5510.502.74-184
Unsecured - 36 Mo11.3117.757.249.0514.754.99-226
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* Represents the difference in the average rate between banks and credit unions.