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 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.450.010.330.650.1517
6 Mo CD - $10k0.220.550.010.460.850.2524
1 Yr CD - $10k0.451.300.050.842.010.4039
18 Mo CD - $10k0.622.020.031.332.000.5571
2 Yr CD - $10k0.721.760.031.272.270.6555
30 Mo CD - $10k0.862.250.031.572.150.9571
3 Yr CD - $10k0.972.120.031.522.300.8555
4 Yr CD - $10k1.062.100.101.642.361.0058
5 Yr CD - $10k1.332.270.032.053.001.2171
1 Mo CD - $100k0.180.300.05    
2 Mo CD - $100k0.230.300.10    
3 Mo CD - $100k0.240.450.050.200.200.20-4
6 Mo CD - $100k0.290.550.050.350.500.256
1 Yr CD - $100k0.541.300.100.892.010.5534
2 Yr CD - $100k0.681.500.201.152.270.7047
3 Yr CD - $100k0.941.800.301.392.300.9046
Interest Checking - $5k0.060.650.010.070.150.012
Liquid IRA Account0.160.700.020.380.750.1021
Money Market - $2.5k0.090.650.010.180.550.0510
Money Market - $10k0.141.110.010.330.650.1019
Money Market - $25k0.161.110.010.390.750.1522
Money Market - $50k0.211.110.010.450.850.1524
Money Market - $100k0.281.750.010.520.900.2524
Money Market - $250k0.301.750.010.560.900.2526
Regular Savings - $1k0.070.250.010.150.400.058
New Car - 36 Mo4.889.002.633.055.491.94-183
New Car - 48 Mo4.989.002.793.226.492.24-176
New Car - 60 Mo5.179.002.793.266.992.24-191
New Car - 72 Mo5.228.533.543.887.493.34-134
Used Car - 36 Mo5.7610.003.293.105.492.24-266
Used Car - 48 Mo5.7210.003.293.246.492.24-248
Used Car - 60 Mo5.6510.003.293.306.992.24-235
Used Car - 72 Mo6.538.535.303.927.493.44-262
New Boat - 60 Mo7.6913.255.905.357.403.24-234
Rewards Credit Card13.0816.2410.9911.8316.998.15-125
Credit Card Platinum11.3213.249.999.9011.248.15-142
Credit Card Classic12.7414.2411.2411.8412.9911.40-90
Home Equity - LOC5.047.844.004.394.864.00-65
Home Equity - 5 Yr4.536.922.994.105.572.99-44
Home Equity - 10 Yr5.006.983.994.816.143.49-19
Home Equity - 15 Yr5.357.074.205.376.673.993
15 Yr Fixed3.9194.2952.8753.9874.0003.5007
20 Yr Fixed4.2494.3843.3574.3174.5003.8757
30 Yr Fixed4.3824.6253.5004.5534.6254.12517
1 Yr ARM2.9933.5002.6253.2664.0001.99027
3/1 ARM3.4864.8752.5003.3074.1252.250-18
5/1 ARM3.5734.5842.5003.5294.2502.500-4
7/1 ARM3.8444.6512.8753.8004.4002.875-4
New RV - 60 Mo7.7313.255.905.458.103.24-228
Unsecured - 36 Mo11.6416.666.999.2811.696.99-236
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* Represents the difference in the average rate between banks and credit unions.