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 - $10k0.160.550.030.390.500.1523
6 Mo CD - $10k0.261.000.030.560.900.2030
1 Yr CD - $10k0.381.300.070.841.400.3046
18 Mo CD - $10k0.471.710.071.011.710.4054
2 Yr CD - $10k0.632.020.101.151.710.5552
30 Mo CD - $10k0.682.070.101.422.100.9074
3 Yr CD - $10k0.811.710.201.463.040.7565
4 Yr CD - $10k0.962.050.201.702.120.9074
5 Yr CD - $10k1.362.100.251.992.531.2064
1 Mo CD - $100k0.100.100.10    
2 Mo CD - $100k0.100.100.10    
3 Mo CD - $100k0.130.200.10    
6 Mo CD - $100k0.170.250.100.500.500.5033
1 Yr CD - $100k0.250.400.150.750.750.7550
2 Yr CD - $100k0.420.600.251.111.111.1169
3 Yr CD - $100k0.570.800.301.361.361.3679
Interest Checking - $5k0.050.150.010.090.250.024
Liquid IRA Account0.271.280.010.342.020.057
Money Market - $2.5k0.080.300.010.240.450.0516
Money Market - $10k0.141.100.010.270.450.0513
Money Market - $25k0.181.100.030.320.500.0915
Money Market - $50k0.231.100.030.370.600.1014
Money Market - $100k0.331.100.030.441.000.1012
Money Market - $250k0.351.110.030.451.000.1011
Regular Savings - $1k0.070.170.010.110.250.024
New Car - 36 Mo4.317.912.632.684.991.80-163
New Car - 48 Mo4.417.912.882.804.991.99-161
New Car - 60 Mo4.657.853.132.984.992.24-167
New Car - 72 Mo4.696.253.493.675.502.49-102
Used Car - 36 Mo4.838.492.992.785.491.80-204
Used Car - 48 Mo4.898.493.252.915.492.19-198
Used Car - 60 Mo4.928.213.493.095.492.24-183
Used Car - 72 Mo4.816.253.493.785.502.49-104
New Boat - 60 Mo6.2111.653.504.047.402.24-217
Rewards Credit Card13.2514.7411.2411.9516.996.90-131
Credit Card Platinum11.3113.2410.2410.0211.248.90-129
Credit Card Classic12.8714.2411.5011.2513.906.90-162
Home Equity - LOC5.209.144.004.466.003.50-74
Home Equity - 5 Yr4.967.013.994.116.252.75-85
Home Equity - 10 Yr5.297.034.104.886.253.61-40
Home Equity - 15 Yr5.547.104.205.347.904.07-20
15 Yr Fixed4.1195.2503.3754.0655.3503.125-5
20 Yr Fixed4.4175.5003.6254.4445.7503.6253
30 Yr Fixed4.5034.8753.7404.6146.2504.00011
1 Yr ARM3.3504.0002.6253.6594.0003.25031
3/1 ARM3.4533.8752.5003.9924.6253.12554
5/1 ARM3.6033.9502.5004.0904.5003.37549
7/1 ARM3.9114.7502.8754.3274.6253.75042
New RV - 60 Mo6.6012.173.504.047.402.24-256
Unsecured - 36 Mo11.3416.007.498.7912.995.49-255
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* Represents the difference in the average rate between banks and credit unions.