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 183,762 financial institution locations in 19,483 markets across the United States as of 7/24/2017.

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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 - $10k0.311.250.010.431.410.1012
1 Yr CD - $10k0.571.500.010.671.920.1010
18 Mo CD - $10k0.681.800.030.791.970.1512
2 Yr CD - $10k0.781.800.030.942.070.1616
30 Mo CD - $10k0.741.850.031.102.170.1636
3 Yr CD - $10k0.971.900.051.172.330.2220
4 Yr CD - $10k1.102.050.101.412.530.3631
5 Yr CD - $10k1.352.500.031.713.050.4036
1 Mo CD - $100k0.110.350.010.220.500.0511
2 Mo CD - $100k0.110.300.010.300.600.1519
3 Mo CD - $100k0.170.750.010.290.700.0511
6 Mo CD - $100k0.271.010.010.460.900.1019
1 Yr CD - $100k0.521.310.010.721.400.1520
2 Yr CD - $100k0.721.750.030.991.600.3027
3 Yr CD - $100k0.871.800.031.231.800.4536
Interest Checking - $5k0.100.500.010.131.000.012
Liquid IRA Account0.240.920.010.313.150.017
Money Market - $2.5k0.140.650.010.201.310.016
Money Market - $10k0.170.950.010.231.310.016
Money Market - $25k0.220.950.010.291.310.037
Money Market - $50k0.260.950.010.361.310.0310
Money Market - $100k0.311.010.010.411.310.0310
Money Market - $250k0.341.260.010.421.310.038
Regular Savings - $1k0.131.200.010.161.250.013
New Car - 36 Mo4.638.742.372.573.991.49-206
New Car - 48 Mo4.699.252.372.734.501.70-196
New Car - 60 Mo4.809.752.492.854.501.70-195
New Car - 72 Mo4.178.742.493.244.591.99-93
Used Car - 36 Mo5.309.502.493.015.001.74-229
Used Car - 48 Mo5.299.502.753.124.751.90-217
Used Car - 60 Mo5.089.992.753.244.751.90-184
Used Car - 72 Mo4.046.492.993.605.251.99-44
New Boat - 60 Mo7.1512.004.005.469.101.54-169
Rewards Credit Card13.6818.158.2410.3914.497.40-329
Credit Card Platinum11.7524.999.499.1612.255.75-259
Credit Card Classic13.6917.4010.2410.8916.906.95-279
Home Equity - LOC4.918.293.504.275.703.00-64
Home Equity - 5 Yr4.779.243.254.287.242.88-49
Home Equity - 10 Yr5.179.243.884.717.243.50-46
Home Equity - 15 Yr5.289.243.775.198.504.00-9
15 Yr Fixed3.7345.1253.0003.5784.7402.950-16
20 Yr Fixed4.0995.5003.2504.0095.0003.500-9
30 Yr Fixed4.2877.0003.6254.1524.5003.625-13
1 Yr ARM3.2895.0002.0003.2184.3752.125-7
3/1 ARM3.4395.2402.5003.2914.2501.875-15
5/1 ARM3.5145.5002.5003.3974.6002.250-12
7/1 ARM3.6855.5002.8753.6344.8502.500-5
New RV - 60 Mo7.2112.004.005.519.101.54-170
Unsecured - 36 Mo10.0915.992.508.9718.005.90-112
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* Represents the difference in the average rate between banks and credit unions.