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 - $10k0.180.800.010.353.010.0517
6 Mo CD - $10k0.301.000.010.381.050.108
1 Yr CD - $10k0.551.350.010.621.450.157
18 Mo CD - $10k0.681.350.010.741.810.206
2 Yr CD - $10k0.781.600.010.871.600.259
30 Mo CD - $10k0.761.500.010.891.400.3514
3 Yr CD - $10k0.962.000.011.101.860.5014
4 Yr CD - $10k1.102.000.011.292.120.6519
5 Yr CD - $10k1.352.250.011.552.380.7519
1 Mo CD - $100k0.100.300.010.100.150.050
2 Mo CD - $100k0.120.300.01    
3 Mo CD - $100k0.160.610.010.553.010.0539
6 Mo CD - $100k0.291.000.010.430.750.1014
1 Yr CD - $100k0.561.350.010.851.450.2328
2 Yr CD - $100k0.781.600.031.061.550.4128
3 Yr CD - $100k0.942.000.031.351.750.6040
Interest Checking - $5k0.121.110.010.120.650.01-1
Liquid IRA Account0.221.200.010.322.140.0110
Money Market - $2.5k0.161.000.010.150.400.01-2
Money Market - $10k0.201.000.010.191.050.01-1
Money Market - $25k0.241.010.010.231.050.05-1
Money Market - $50k0.281.170.010.291.050.051
Money Market - $100k0.341.170.010.321.050.05-2
Money Market - $250k0.361.260.010.341.050.05-2
Regular Savings - $1k0.171.050.010.141.000.01-3
New Car - 36 Mo4.858.242.342.434.500.99-242
New Car - 48 Mo4.938.742.342.624.751.74-231
New Car - 60 Mo5.049.242.692.805.001.75-224
New Car - 72 Mo4.377.492.743.225.252.24-116
Used Car - 36 Mo5.569.502.342.704.501.49-287
Used Car - 48 Mo5.508.742.342.894.751.99-261
Used Car - 60 Mo4.929.242.893.075.001.99-185
Used Car - 72 Mo4.025.003.243.474.991.99-55
New Boat - 60 Mo7.8412.244.505.2910.501.99-255
Rewards Credit Card13.1217.909.9910.2514.496.24-287
Credit Card Platinum11.2424.998.499.0012.905.24-224
Credit Card Classic12.9616.909.9910.9216.405.24-204
Home Equity - LOC4.637.633.003.845.003.00-79
Home Equity - 5 Yr4.338.783.134.557.242.9922
Home Equity - 10 Yr4.858.783.555.067.243.2421
Home Equity - 15 Yr5.168.783.755.437.253.4927
15 Yr Fixed3.6694.0003.1253.6773.8752.8601
20 Yr Fixed4.1154.5003.6254.1464.2503.3373
30 Yr Fixed4.3104.5003.7404.3714.5003.5626
1 Yr ARM3.0515.5002.0003.1484.1032.00010
3/1 ARM3.3124.2502.6253.3904.1251.8758
5/1 ARM3.3943.8752.7503.3924.5002.6250
7/1 ARM3.6014.6252.8753.6914.6252.8759
New RV - 60 Mo7.5211.244.495.5710.502.75-194
Unsecured - 36 Mo11.2117.756.499.0814.754.99-213
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* Represents the difference in the average rate between banks and credit unions.