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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.231.600.010.321.390.059
6 Mo CD - $10k0.401.700.010.461.560.106
1 Yr CD - $10k0.722.000.010.772.020.154
18 Mo CD - $10k0.832.000.010.831.850.20-1
2 Yr CD - $10k0.992.120.011.022.120.253
30 Mo CD - $10k1.012.050.011.102.250.409
3 Yr CD - $10k1.092.280.011.182.280.358
4 Yr CD - $10k1.252.530.011.342.260.509
5 Yr CD - $10k1.502.630.011.632.600.7513
1 Mo CD - $100k0.120.350.010.100.150.05-2
2 Mo CD - $100k0.140.500.01    
3 Mo CD - $100k0.231.600.010.310.700.058
6 Mo CD - $100k0.411.700.010.480.900.107
1 Yr CD - $100k0.771.850.010.931.600.2316
2 Yr CD - $100k1.022.120.031.222.000.4120
3 Yr CD - $100k1.162.280.031.342.100.6018
Interest Checking - $5k0.121.360.010.141.000.012
Liquid IRA Account0.241.810.010.352.140.0111
Money Market - $2.5k0.171.460.010.150.600.01-2
Money Market - $10k0.231.460.010.170.650.01-6
Money Market - $25k0.281.550.010.240.750.05-5
Money Market - $50k0.321.550.010.290.750.05-3
Money Market - $100k0.371.550.010.371.310.050
Money Market - $250k0.391.550.010.371.010.05-2
Regular Savings - $1k0.181.500.010.171.360.01-1
New Car - 36 Mo4.978.242.372.614.501.49-236
New Car - 48 Mo5.058.742.372.824.751.99-223
New Car - 60 Mo5.129.242.793.005.001.99-212
New Car - 72 Mo4.597.492.873.465.491.99-113
Used Car - 36 Mo5.708.502.992.954.501.99-274
Used Car - 48 Mo5.698.743.043.164.751.99-253
Used Car - 60 Mo5.279.243.043.315.001.99-195
Used Car - 72 Mo4.425.403.593.835.592.25-59
New Boat - 60 Mo7.7012.244.005.3710.501.99-233
Rewards Credit Card13.6517.249.9910.6115.246.99-304
Credit Card Platinum12.0724.9910.159.4512.906.24-262
Credit Card Classic13.6416.909.9911.1716.906.24-247
Home Equity - LOC5.108.293.754.547.003.41-56
Home Equity - 5 Yr4.428.993.254.627.742.8820
Home Equity - 10 Yr4.908.993.755.137.743.7422
Home Equity - 15 Yr5.228.994.005.467.743.9925
15 Yr Fixed3.7394.6252.9903.9794.1252.86024
20 Yr Fixed4.1174.7503.3754.3044.5003.33719
30 Yr Fixed4.2845.0003.7004.4764.6753.56219
1 Yr ARM3.1775.5002.0003.2244.4732.2505
3/1 ARM3.4204.7501.0003.5514.8752.00013
5/1 ARM3.5714.5002.7503.5934.2192.6252
7/1 ARM3.7594.6252.8753.8414.4002.8758
New RV - 60 Mo7.3311.244.005.5510.502.74-177
Unsecured - 36 Mo11.0817.756.239.1814.754.99-190
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* Represents the difference in the average rate between banks and credit unions.