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 - $10k0.160.500.010.210.450.055
6 Mo CD - $10k0.240.750.010.390.850.1016
1 Yr CD - $10k0.381.000.010.661.200.2028
18 Mo CD - $10k0.451.350.020.791.400.2033
2 Yr CD - $10k0.591.400.020.941.500.3036
30 Mo CD - $10k0.631.500.021.061.600.7543
3 Yr CD - $10k0.791.770.021.171.650.6038
4 Yr CD - $10k0.961.860.021.441.900.6548
5 Yr CD - $10k1.182.250.021.772.750.9959
1 Mo CD - $100k0.110.300.010.030.030.03-8
2 Mo CD - $100k0.080.250.01    
3 Mo CD - $100k0.120.400.010.230.550.0511
6 Mo CD - $100k0.210.550.010.400.850.1320
1 Yr CD - $100k0.380.800.050.681.550.2330
2 Yr CD - $100k0.621.250.100.881.550.4026
3 Yr CD - $100k0.901.770.151.011.650.6011
Interest Checking - $5k0.080.300.010.140.500.016
Liquid IRA Account0.270.800.010.381.510.0511
Money Market - $2.5k0.090.500.010.170.500.058
Money Market - $10k0.130.900.010.230.500.0510
Money Market - $25k0.160.900.010.300.550.1515
Money Market - $50k0.190.900.010.390.800.1520
Money Market - $100k0.220.900.010.420.800.1520
Money Market - $250k0.240.900.010.430.800.1519
Regular Savings - $1k0.110.450.010.120.500.051
New Car - 36 Mo4.326.912.192.643.990.99-168
New Car - 48 Mo4.397.132.192.824.241.80-158
New Car - 60 Mo4.487.352.292.944.491.80-154
New Car - 72 Mo4.687.602.743.384.991.95-131
Used Car - 36 Mo4.827.662.393.066.491.49-176
Used Car - 48 Mo4.877.772.393.196.491.99-167
Used Car - 60 Mo4.828.102.403.246.491.99-158
Used Car - 72 Mo4.566.752.943.645.492.49-91
New Boat - 60 Mo6.329.753.494.747.242.49-158
Rewards Credit Card12.9616.498.9510.0012.746.90-296
Credit Card Platinum11.1115.498.659.0711.155.24-205
Credit Card Classic14.0118.009.9610.2818.005.24-373
Home Equity - LOC4.417.633.254.096.252.99-32
Home Equity - 5 Yr5.026.503.504.547.493.25-48
Home Equity - 10 Yr5.537.503.505.107.494.00-43
Home Equity - 15 Yr5.827.504.505.487.004.75-34
15 Yr Fixed3.6445.2502.7503.5553.6252.833-9
20 Yr Fixed4.0784.5003.1254.1444.3753.3157
30 Yr Fixed4.2625.2503.5004.2604.5003.4210
1 Yr ARM3.6425.5001.9903.5953.7503.125-5
3/1 ARM3.9555.8752.4903.2624.2501.875-69
5/1 ARM3.9416.2502.7503.5524.6252.625-39
7/1 ARM3.9385.1252.8753.7634.7503.000-18
New RV - 60 Mo6.369.753.494.717.352.49-164
Unsecured - 36 Mo9.2518.965.258.5811.405.24-67
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* Represents the difference in the average rate between banks and credit unions.