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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.191.010.010.280.950.019
6 Mo CD - $10k0.301.250.010.430.850.0513
1 Yr CD - $10k0.551.680.010.631.360.057
18 Mo CD - $10k0.611.770.050.751.770.1214
2 Yr CD - $10k0.741.820.050.901.560.1516
30 Mo CD - $10k0.711.800.050.941.650.1824
3 Yr CD - $10k0.902.100.051.181.960.4528
4 Yr CD - $10k0.982.200.101.422.050.4543
5 Yr CD - $10k1.222.350.201.662.400.3044
1 Mo CD - $100k0.131.170.010.060.100.02-7
2 Mo CD - $100k0.141.170.010.060.100.02-8
3 Mo CD - $100k0.191.170.010.280.650.059
6 Mo CD - $100k0.311.360.010.421.000.0511
1 Yr CD - $100k0.591.680.010.651.610.056
2 Yr CD - $100k0.771.820.050.921.820.1516
3 Yr CD - $100k0.922.100.051.211.960.4529
Interest Checking - $5k0.090.750.010.151.000.017
Liquid IRA Account0.171.010.010.381.310.0521
Money Market - $2.5k0.100.600.010.201.270.0110
Money Market - $10k0.141.010.010.221.270.058
Money Market - $25k0.201.200.010.261.270.055
Money Market - $50k0.241.260.010.321.270.058
Money Market - $100k0.301.260.010.351.270.055
Money Market - $250k0.321.260.010.361.270.055
Regular Savings - $1k0.101.000.010.161.260.016
New Car - 36 Mo4.2410.502.002.414.091.49-183
New Car - 48 Mo4.3310.502.252.594.341.74-174
New Car - 60 Mo4.4310.502.502.684.591.74-175
New Car - 72 Mo4.267.502.873.014.751.89-125
Used Car - 36 Mo4.8911.502.002.766.251.49-213
Used Car - 48 Mo4.9411.502.252.946.251.74-199
Used Car - 60 Mo4.517.752.503.036.251.74-148
Used Car - 72 Mo4.556.003.253.305.291.79-124
New Boat - 60 Mo5.7810.602.995.328.901.99-46
Rewards Credit Card12.9016.996.5010.6116.907.25-229
Credit Card Platinum12.0416.157.159.3013.996.00-274
Credit Card Classic13.0618.008.2412.5017.908.90-56
Home Equity - LOC4.938.294.004.406.003.24-54
Home Equity - 5 Yr5.187.184.004.667.253.49-52
Home Equity - 10 Yr5.667.254.505.087.253.49-57
Home Equity - 15 Yr5.987.754.505.527.903.49-46
15 Yr Fixed3.6495.1253.0003.6504.6252.8750
20 Yr Fixed4.0224.2503.5004.0355.2503.3751
30 Yr Fixed4.1534.7503.7404.2405.3753.6259
1 Yr ARM3.5044.0002.0002.8184.0662.125-69
3/1 ARM3.5184.3752.7003.1614.2501.875-36
5/1 ARM3.7474.7502.9403.5394.5002.500-21
7/1 ARM3.8656.0003.1203.7654.6252.875-10
New RV - 60 Mo5.8010.602.995.629.001.99-18
Unsecured - 36 Mo9.6717.754.509.3218.005.00-35
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* Represents the difference in the average rate between banks and credit unions.