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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.130.300.030.270.500.1514
6 Mo CD - $10k0.180.500.030.380.750.1020
1 Yr CD - $10k0.280.700.070.561.010.1528
18 Mo CD - $10k0.360.800.070.701.410.4034
2 Yr CD - $10k0.521.400.100.851.410.4034
30 Mo CD - $10k0.561.210.100.961.150.9040
3 Yr CD - $10k0.731.260.121.191.510.6046
4 Yr CD - $10k0.851.480.151.501.920.9065
5 Yr CD - $10k1.192.100.151.802.151.2061
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.200.10    
6 Mo CD - $100k0.170.250.10    
1 Yr CD - $100k0.250.400.15    
2 Yr CD - $100k0.420.600.25    
3 Yr CD - $100k0.570.800.30    
Interest Checking - $5k0.050.150.010.080.200.023
Liquid IRA Account0.251.280.010.312.020.056
Money Market - $2.5k0.080.300.010.180.300.0210
Money Market - $10k0.141.100.010.210.400.057
Money Market - $25k0.171.100.030.250.500.099
Money Market - $50k0.211.100.030.290.500.108
Money Market - $100k0.271.100.030.351.000.108
Money Market - $250k0.291.110.030.361.000.108
Regular Savings - $1k0.070.170.010.110.250.024
New Car - 36 Mo4.478.022.442.643.991.70-183
New Car - 48 Mo4.578.022.442.783.991.99-179
New Car - 60 Mo4.688.022.442.953.992.24-174
New Car - 72 Mo4.656.192.993.635.502.45-102
Used Car - 36 Mo4.919.022.642.763.991.70-214
Used Car - 48 Mo4.979.022.642.923.992.15-205
Used Car - 60 Mo4.948.212.643.094.252.24-185
Used Car - 72 Mo4.736.192.993.775.502.49-96
New Boat - 60 Mo6.2611.653.504.126.752.24-214
Rewards Credit Card12.8014.4910.4911.6316.906.90-117
Credit Card Platinum10.7411.2410.4910.3014.508.49-44
Credit Card Classic11.7411.9911.4910.9113.906.90-83
Home Equity - LOC4.708.743.493.845.503.25-87
Home Equity - 5 Yr4.817.013.754.056.502.75-76
Home Equity - 10 Yr5.167.033.994.796.503.65-36
Home Equity - 15 Yr5.347.104.255.307.903.99-5
15 Yr Fixed3.8385.0503.2503.8085.3003.125-3
20 Yr Fixed4.3285.3003.8754.3425.7503.7501
30 Yr Fixed4.4325.3203.7404.5186.2504.0009
1 Yr ARM3.2003.7502.6252.7502.7502.750-45
3/1 ARM3.4714.2502.5003.8124.1253.12534
5/1 ARM3.5694.5002.5003.6584.1253.2509
7/1 ARM3.7954.7502.8754.2984.5003.87550
New RV - 60 Mo6.6912.173.504.066.752.24-264
Unsecured - 36 Mo11.7016.007.498.7512.504.99-295
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* Represents the difference in the average rate between banks and credit unions.