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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.190.800.010.291.110.0510
6 Mo CD - $10k0.321.050.010.391.310.108
1 Yr CD - $10k0.611.400.010.641.450.152
18 Mo CD - $10k0.731.800.010.721.560.20-1
2 Yr CD - $10k0.851.650.010.891.770.254
30 Mo CD - $10k0.831.750.010.941.600.3512
3 Yr CD - $10k1.012.000.011.101.990.409
4 Yr CD - $10k1.122.000.011.302.240.6518
5 Yr CD - $10k1.382.350.011.562.490.7518
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 - $100k0.321.000.010.430.750.1012
1 Yr CD - $100k0.631.400.010.871.450.2324
2 Yr CD - $100k0.861.650.031.071.600.4121
3 Yr CD - $100k1.002.000.031.321.750.6032
Interest Checking - $5k0.131.000.010.120.650.01-1
Liquid IRA Account0.231.200.010.332.140.0110
Money Market - $2.5k0.171.260.010.150.400.01-2
Money Market - $10k0.201.260.010.170.450.01-3
Money Market - $25k0.251.260.010.210.500.05-3
Money Market - $50k0.281.260.010.280.800.050
Money Market - $100k0.351.300.010.320.800.05-3
Money Market - $250k0.371.300.010.320.800.05-5
Regular Savings - $1k0.181.050.010.151.250.01-3
New Car - 36 Mo4.888.242.342.504.501.49-238
New Car - 48 Mo4.968.742.342.674.751.74-229
New Car - 60 Mo5.079.242.492.855.001.75-222
New Car - 72 Mo4.417.492.873.285.492.24-113
Used Car - 36 Mo5.619.502.342.784.501.99-282
Used Car - 48 Mo5.548.742.342.974.751.99-256
Used Car - 60 Mo4.859.242.843.145.001.99-171
Used Car - 72 Mo4.085.003.243.565.492.25-52
New Boat - 60 Mo8.0112.244.505.3110.501.99-270
Rewards Credit Card13.3917.909.9910.2714.496.24-313
Credit Card Platinum11.5824.999.409.2412.905.74-234
Credit Card Classic13.1116.909.9910.9716.405.74-214
Home Equity - LOC4.658.043.253.995.253.00-66
Home Equity - 5 Yr4.318.883.134.577.242.8825
Home Equity - 10 Yr4.818.883.555.117.243.2429
Home Equity - 15 Yr5.148.883.755.457.253.4931
15 Yr Fixed3.5833.8753.0003.5273.5232.860-6
20 Yr Fixed4.0264.5003.5004.0164.1253.337-1
30 Yr Fixed4.2034.5003.7404.2124.5003.5621
1 Yr ARM3.0315.5001.8753.1434.0492.00011
3/1 ARM3.3784.0002.6253.2864.0001.875-9
5/1 ARM3.3703.8752.7503.3544.5002.625-2
7/1 ARM3.5504.6252.8753.6134.6252.8756
New RV - 60 Mo7.6411.244.495.5910.502.75-205
Unsecured - 36 Mo11.0414.756.499.0214.754.99-201
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* Represents the difference in the average rate between banks and credit unions.