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 - $10k0.180.850.010.281.360.0510
6 Mo CD - $10k0.301.050.010.411.410.1011
1 Yr CD - $10k0.551.400.010.671.920.1012
18 Mo CD - $10k0.671.800.030.771.970.1510
2 Yr CD - $10k0.761.600.030.932.070.1617
30 Mo CD - $10k0.721.850.031.102.170.1638
3 Yr CD - $10k0.941.900.031.192.330.2226
4 Yr CD - $10k1.072.000.101.402.530.3633
5 Yr CD - $10k1.332.500.031.693.050.4036
1 Mo CD - $100k0.110.350.010.220.500.0511
2 Mo CD - $100k0.110.300.010.300.600.1519
3 Mo CD - $100k0.170.750.010.290.700.0512
6 Mo CD - $100k0.260.850.010.440.900.1018
1 Yr CD - $100k0.501.260.010.751.400.1524
2 Yr CD - $100k0.711.550.030.982.000.3027
3 Yr CD - $100k0.861.900.031.262.250.4540
Interest Checking - $5k0.100.500.010.121.000.012
Liquid IRA Account0.251.200.010.303.150.015
Money Market - $2.5k0.140.650.010.201.310.016
Money Market - $10k0.171.100.010.231.310.016
Money Market - $25k0.221.100.010.291.310.036
Money Market - $50k0.261.100.010.361.310.0310
Money Market - $100k0.311.100.010.411.310.0310
Money Market - $250k0.331.260.010.411.310.038
Regular Savings - $1k0.141.050.010.161.250.012
New Car - 36 Mo4.578.742.372.553.991.49-202
New Car - 48 Mo4.679.252.372.704.501.70-197
New Car - 60 Mo4.799.752.442.814.501.70-198
New Car - 72 Mo4.148.742.493.204.591.99-94
Used Car - 36 Mo5.189.242.492.995.001.49-219
Used Car - 48 Mo5.239.252.503.094.501.74-214
Used Car - 60 Mo4.959.992.653.204.501.97-175
Used Car - 72 Mo4.046.492.993.575.291.99-47
New Boat - 60 Mo7.1112.004.005.589.101.54-153
Rewards Credit Card13.5617.907.9910.2314.497.40-334
Credit Card Platinum11.5624.999.409.0912.005.75-247
Credit Card Classic13.4417.409.2410.9016.906.95-253
Home Equity - LOC4.798.043.504.065.453.00-72
Home Equity - 5 Yr4.788.753.254.247.242.40-54
Home Equity - 10 Yr5.198.753.884.667.243.13-53
Home Equity - 15 Yr5.318.754.135.168.504.18-15
15 Yr Fixed3.7786.1253.0003.5834.7402.950-20
20 Yr Fixed4.1786.3753.2504.0565.0003.500-12
30 Yr Fixed4.3096.5003.7404.2034.3753.625-11
1 Yr ARM3.2654.7501.8753.1894.2502.125-8
3/1 ARM3.4315.0002.5003.2824.2501.875-15
5/1 ARM3.4975.5002.5003.3694.6002.250-13
7/1 ARM3.6765.5002.8753.5864.8502.500-9
New RV - 60 Mo7.1612.004.005.659.101.54-152
Unsecured - 36 Mo9.9615.992.509.0718.005.74-88
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* Represents the difference in the average rate between banks and credit unions.