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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.130.400.010.170.400.054
6 Mo CD - $10k0.210.750.010.260.650.155
1 Yr CD - $10k0.381.150.050.521.150.2014
18 Mo CD - $10k0.451.200.050.711.200.4527
2 Yr CD - $10k0.601.350.160.811.600.4522
30 Mo CD - $10k0.611.500.150.871.000.7026
3 Yr CD - $10k0.851.550.201.081.800.7023
4 Yr CD - $10k1.131.800.251.332.301.0021
5 Yr CD - $10k1.452.100.351.692.351.2624
1 Mo CD - $100k0.200.350.05    
2 Mo CD - $100k0.200.350.05    
3 Mo CD - $100k0.200.380.050.200.200.200
6 Mo CD - $100k0.300.500.050.250.250.25-5
1 Yr CD - $100k0.480.750.100.700.700.7022
2 Yr CD - $100k0.690.950.200.950.950.9526
3 Yr CD - $100k0.891.050.301.301.301.3041
Interest Checking - $5k0.070.650.010.070.150.010
Liquid IRA Account0.481.750.030.421.200.05-6
Money Market - $2.5k0.100.350.010.100.200.020
Money Market - $10k0.120.350.010.130.250.030
Money Market - $25k0.140.400.020.200.800.045
Money Market - $50k0.180.600.020.220.850.044
Money Market - $100k0.231.050.030.281.050.066
Money Market - $250k0.241.050.030.321.100.087
Regular Savings - $1k0.080.300.010.080.200.010
New Car - 36 Mo4.285.902.302.804.251.99-147
New Car - 48 Mo4.376.002.653.024.251.99-135
New Car - 60 Mo4.476.252.653.034.251.99-144
New Car - 72 Mo4.506.062.853.294.251.99-121
Used Car - 36 Mo4.456.902.302.834.501.99-162
Used Car - 48 Mo4.536.902.653.044.501.99-149
Used Car - 60 Mo4.617.002.652.873.501.99-174
Used Car - 72 Mo4.196.062.853.104.001.99-109
New Boat - 60 Mo5.2110.582.993.634.992.49-158
Rewards Credit Card13.0017.909.9010.2814.906.90-272
Credit Card Platinum11.4115.908.909.289.908.65-213
Credit Card Classic13.6914.889.9011.2613.909.24-243
Home Equity - LOC5.027.753.754.254.503.49-77
Home Equity - 5 Yr4.746.493.253.564.242.99-119
Home Equity - 10 Yr5.227.244.254.064.992.99-116
Home Equity - 15 Yr5.587.004.254.415.492.99-117
15 Yr Fixed3.5703.7502.7503.4813.9903.125-9
20 Yr Fixed4.0214.2503.5003.9474.2403.625-7
30 Yr Fixed4.2034.5003.6254.0894.3753.875-11
1 Yr ARM3.0783.0003.000 
3/1 ARM3.1023.2502.8752.5192.3752.375-58
5/1 ARM3.2933.6252.8753.2603.8752.750-3
7/1 ARM3.5774.1253.0003.5124.0002.875-7
New RV - 60 Mo5.2410.582.993.634.992.49-161
Unsecured - 36 Mo8.1513.214.008.329.257.0016
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* Represents the difference in the average rate between banks and credit unions.