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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.191.000.010.291.360.0510
6 Mo CD - $10k0.321.250.010.441.410.1011
1 Yr CD - $10k0.601.610.010.681.920.109
18 Mo CD - $10k0.691.770.050.821.970.1512
2 Yr CD - $10k0.811.850.030.952.070.1614
30 Mo CD - $10k0.761.950.031.102.170.1634
3 Yr CD - $10k0.992.050.051.202.330.2221
4 Yr CD - $10k1.122.200.101.432.530.3631
5 Yr CD - $10k1.362.500.101.743.050.4038
1 Mo CD - $100k0.110.350.010.210.500.0510
2 Mo CD - $100k0.110.300.010.300.600.1519
3 Mo CD - $100k0.170.750.010.290.700.0512
6 Mo CD - $100k0.281.100.010.471.000.1018
1 Yr CD - $100k0.541.610.010.751.500.1521
2 Yr CD - $100k0.761.810.030.991.610.3023
3 Yr CD - $100k0.892.010.031.272.000.4538
Interest Checking - $5k0.100.500.010.121.000.012
Liquid IRA Account0.250.920.010.313.150.016
Money Market - $2.5k0.151.250.010.201.310.014
Money Market - $10k0.181.250.010.231.310.015
Money Market - $25k0.241.250.010.291.310.035
Money Market - $50k0.281.250.010.361.310.038
Money Market - $100k0.321.250.010.411.310.039
Money Market - $250k0.351.260.010.431.310.038
Regular Savings - $1k0.151.200.010.161.250.012
New Car - 36 Mo4.598.742.372.563.991.49-203
New Car - 48 Mo4.699.252.372.724.501.70-197
New Car - 60 Mo4.819.752.492.864.501.70-195
New Car - 72 Mo4.218.742.493.254.591.99-96
Used Car - 36 Mo5.229.502.493.035.001.70-219
Used Car - 48 Mo5.299.502.753.144.751.99-215
Used Car - 60 Mo5.039.992.753.264.751.99-177
Used Car - 72 Mo4.076.492.993.635.291.99-44
New Boat - 60 Mo7.0912.004.005.469.102.34-163
Rewards Credit Card13.8218.158.2410.5514.997.50-326
Credit Card Platinum11.8424.999.749.3212.255.75-251
Credit Card Classic13.5717.4010.2410.9316.906.95-265
Home Equity - LOC5.018.293.504.305.703.25-71
Home Equity - 5 Yr4.859.243.254.327.242.88-53
Home Equity - 10 Yr5.249.243.884.737.243.50-51
Home Equity - 15 Yr5.349.244.135.137.244.00-20
15 Yr Fixed3.6555.1253.0003.4944.7402.750-16
20 Yr Fixed4.0205.5003.2503.9225.0003.250-10
30 Yr Fixed4.1877.0003.6254.0444.3753.500-14
1 Yr ARM3.1425.0002.0003.1934.3752.0005
3/1 ARM3.4235.2402.5003.2224.2501.875-20
5/1 ARM3.4935.5002.5003.3404.6002.250-15
7/1 ARM3.6565.5002.8753.5354.8502.500-12
New RV - 60 Mo7.1012.004.005.519.101.70-159
Unsecured - 36 Mo10.0817.752.508.9318.005.90-116
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* Represents the difference in the average rate between banks and credit unions.