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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.190.800.010.301.280.0511
6 Mo CD - $10k0.321.010.010.401.430.107
1 Yr CD - $10k0.631.400.010.621.570.150
18 Mo CD - $10k0.751.800.010.721.700.20-3
2 Yr CD - $10k0.871.650.010.911.900.254
30 Mo CD - $10k0.851.750.010.941.600.358
3 Yr CD - $10k1.032.000.011.092.070.406
4 Yr CD - $10k1.142.000.011.302.290.6515
5 Yr CD - $10k1.402.350.011.562.500.7515
1 Mo CD - $100k0.120.350.010.100.150.05-2
2 Mo CD - $100k0.130.500.01    
3 Mo CD - $100k0.180.750.010.250.550.057
6 Mo CD - $100k0.341.010.010.420.750.108
1 Yr CD - $100k0.651.400.010.781.450.2313
2 Yr CD - $100k0.861.650.031.131.600.4127
3 Yr CD - $100k1.022.000.031.281.700.6026
Interest Checking - $5k0.131.000.010.120.650.01-1
Liquid IRA Account0.221.200.010.332.140.0111
Money Market - $2.5k0.171.260.010.140.400.01-2
Money Market - $10k0.201.260.010.170.450.01-3
Money Market - $25k0.251.260.010.210.500.05-4
Money Market - $50k0.281.260.010.270.650.05-1
Money Market - $100k0.341.300.010.310.800.05-4
Money Market - $250k0.371.300.010.320.750.05-5
Regular Savings - $1k0.171.200.010.151.250.01-2
New Car - 36 Mo4.918.242.372.534.501.49-237
New Car - 48 Mo5.018.742.372.724.751.75-229
New Car - 60 Mo5.079.242.792.915.001.75-216
New Car - 72 Mo4.417.492.873.325.492.24-108
Used Car - 36 Mo5.679.502.992.814.501.99-287
Used Car - 48 Mo5.638.743.043.004.751.99-264
Used Car - 60 Mo4.989.243.043.175.001.99-181
Used Car - 72 Mo4.085.003.243.625.492.25-46
New Boat - 60 Mo7.9512.244.505.3510.501.99-260
Rewards Credit Card13.5218.159.9910.4114.496.24-311
Credit Card Platinum11.8124.999.499.2312.905.74-259
Credit Card Classic13.4616.909.9911.1816.405.74-227
Home Equity - LOC4.868.293.504.175.253.00-69
Home Equity - 5 Yr4.388.993.134.527.242.8815
Home Equity - 10 Yr4.878.993.635.077.243.7420
Home Equity - 15 Yr5.188.993.755.427.253.9923
15 Yr Fixed3.5343.8703.0003.5173.5232.860-2
20 Yr Fixed3.9954.7503.5003.9794.1253.337-2
30 Yr Fixed4.1644.7503.6254.1834.3753.5622
1 Yr ARM3.0495.5002.0003.1664.0492.00012
3/1 ARM3.4224.0002.6253.3144.1251.875-11
5/1 ARM3.4004.0002.7503.4284.5002.6253
7/1 ARM3.5854.6252.8753.7054.6252.87512
New RV - 60 Mo7.6311.244.495.5410.502.24-209
Unsecured - 36 Mo11.1314.757.249.0114.754.99-211
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* Represents the difference in the average rate between banks and credit unions.