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 - $10k0.140.450.030.330.500.1518
6 Mo CD - $10k0.200.600.030.471.000.2027
1 Yr CD - $10k0.310.850.070.701.260.3040
18 Mo CD - $10k0.411.000.070.831.510.4042
2 Yr CD - $10k0.571.530.101.011.610.5545
30 Mo CD - $10k0.571.300.101.091.310.9052
3 Yr CD - $10k0.791.650.121.291.760.7551
4 Yr CD - $10k0.912.050.151.602.020.9069
5 Yr CD - $10k1.242.100.151.912.251.2066
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 Account0.271.280.010.322.020.055
Money Market - $2.5k0.080.300.010.200.350.0212
Money Market - $10k0.141.100.010.220.400.058
Money Market - $25k0.171.100.030.270.500.0910
Money Market - $50k0.221.100.030.310.500.109
Money Market - $100k0.311.100.030.381.000.107
Money Market - $250k0.321.110.030.391.000.106
Regular Savings - $1k0.070.170.010.110.250.024
New Car - 36 Mo4.378.022.502.634.491.70-174
New Car - 48 Mo4.478.022.752.774.491.99-170
New Car - 60 Mo4.868.442.842.954.492.24-191
New Car - 72 Mo4.898.532.993.645.502.49-124
Used Car - 36 Mo5.109.022.992.754.491.70-235
Used Car - 48 Mo5.179.023.192.914.492.15-226
Used Car - 60 Mo5.158.443.193.104.492.24-205
Used Car - 72 Mo5.298.533.743.785.502.49-151
New Boat - 60 Mo6.2211.653.504.076.752.24-215
Rewards Credit Card13.1414.7410.7411.7816.906.90-136
Credit Card Platinum11.1512.9910.9910.4114.508.74-74
Credit Card Classic12.9913.9911.9910.9113.906.90-208
Home Equity - LOC4.898.844.004.205.753.50-69
Home Equity - 5 Yr4.787.013.993.966.252.75-82
Home Equity - 10 Yr5.107.034.104.726.253.49-39
Home Equity - 15 Yr5.297.104.175.257.904.07-4
15 Yr Fixed3.7125.3253.1253.7835.3503.1257
20 Yr Fixed4.1405.5003.5004.2335.7503.6259
30 Yr Fixed4.2454.6803.7404.4386.2503.87519
1 Yr ARM3.3004.0002.6253.2503.2503.250-5
3/1 ARM3.4314.0002.5003.9514.1253.12552
5/1 ARM3.5654.2502.5004.0554.2503.25049
7/1 ARM3.7414.3752.8754.3294.3753.87559
New RV - 60 Mo6.5912.173.504.076.752.24-252
Unsecured - 36 Mo11.4116.007.498.7612.995.49-265
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* Represents the difference in the average rate between banks and credit unions.