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 186,963 financial institution locations in 19,493 markets across the United States as of 9/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.150.750.010.200.550.054
6 Mo CD - $10k0.271.140.010.280.750.151
1 Yr CD - $10k0.431.300.050.571.350.2015
18 Mo CD - $10k0.501.300.050.771.500.4527
2 Yr CD - $10k0.651.500.160.841.750.4519
30 Mo CD - $10k0.621.500.151.162.050.7054
3 Yr CD - $10k0.901.650.201.102.000.7020
4 Yr CD - $10k1.171.800.251.382.351.0020
5 Yr CD - $10k1.492.150.351.722.501.2623
1 Mo CD - $100k0.200.350.05    
2 Mo CD - $100k0.200.350.05    
3 Mo CD - $100k0.290.750.050.200.200.20-9
6 Mo CD - $100k0.400.950.050.250.250.25-15
1 Yr CD - $100k0.601.300.100.700.700.7010
2 Yr CD - $100k0.811.500.200.950.950.9514
3 Yr CD - $100k0.991.650.301.301.301.3031
Interest Checking - $5k0.070.350.010.100.150.013
Liquid IRA Account0.501.750.030.481.200.05-2
Money Market - $2.5k0.100.400.010.100.200.02-1
Money Market - $10k0.130.450.010.150.250.032
Money Market - $25k0.150.450.020.220.900.047
Money Market - $50k0.180.500.020.251.000.047
Money Market - $100k0.231.050.030.311.200.068
Money Market - $250k0.251.050.030.341.250.0810
Regular Savings - $1k0.080.400.010.090.200.011
New Car - 36 Mo4.305.902.302.944.252.15-136
New Car - 48 Mo4.396.002.653.164.252.15-123
New Car - 60 Mo4.496.252.653.174.252.15-131
New Car - 72 Mo4.546.062.853.524.252.15-101
Used Car - 36 Mo4.456.902.302.964.502.15-149
Used Car - 48 Mo4.546.902.653.194.502.15-135
Used Car - 60 Mo4.617.002.653.053.502.15-155
Used Car - 72 Mo4.266.062.853.394.002.15-87
New Boat - 60 Mo5.1610.602.993.594.992.59-158
Rewards Credit Card13.2318.159.9010.3614.906.90-287
Credit Card Platinum11.6316.158.909.289.908.65-236
Credit Card Classic13.9114.999.9011.3213.909.24-259
Home Equity - LOC5.127.503.754.434.753.99-69
Home Equity - 5 Yr4.646.493.253.564.242.99-109
Home Equity - 10 Yr5.037.244.254.064.992.99-98
Home Equity - 15 Yr5.437.004.254.415.492.99-102
15 Yr Fixed3.4643.7502.8753.5003.9902.8754
20 Yr Fixed3.9284.1253.3753.7914.2403.375-14
30 Yr Fixed4.0824.5003.5004.0094.3753.750-7
1 Yr ARM3.0783.0003.000 
3/1 ARM3.0403.2502.7502.7932.8752.500-25
5/1 ARM3.3623.7502.7503.3863.8752.8752
7/1 ARM3.6264.1253.0003.5534.0003.000-7
New RV - 60 Mo5.1910.602.993.594.992.59-160
Unsecured - 36 Mo8.1613.214.008.389.507.0022
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* Represents the difference in the average rate between banks and credit unions.