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 - $10k0.130.400.010.180.550.055
6 Mo CD - $10k0.220.750.010.270.750.155
1 Yr CD - $10k0.391.200.050.531.300.2015
18 Mo CD - $10k0.471.300.050.751.500.4528
2 Yr CD - $10k0.611.350.160.831.750.4522
30 Mo CD - $10k0.621.500.150.871.000.7025
3 Yr CD - $10k0.871.600.201.102.000.7023
4 Yr CD - $10k1.151.800.251.362.351.0022
5 Yr CD - $10k1.472.100.351.692.501.2622
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 - $100k0.901.050.351.301.301.3040
Interest Checking - $5k0.070.350.010.080.150.012
Liquid IRA Account0.481.750.030.481.200.05-1
Money Market - $2.5k0.100.400.010.100.200.02-1
Money Market - $10k0.130.450.010.150.250.032
Money Market - $25k0.150.450.020.220.850.047
Money Market - $50k0.180.500.020.250.950.047
Money Market - $100k0.231.050.030.311.150.068
Money Market - $250k0.251.050.030.341.200.089
Regular Savings - $1k0.080.300.010.090.200.011
New Car - 36 Mo4.275.902.302.804.252.09-147
New Car - 48 Mo4.366.002.653.034.252.09-133
New Car - 60 Mo4.456.252.653.044.252.09-141
New Car - 72 Mo4.506.062.853.394.252.09-111
Used Car - 36 Mo4.436.902.302.834.502.09-161
Used Car - 48 Mo4.526.902.653.054.502.09-146
Used Car - 60 Mo4.587.002.652.903.502.09-168
Used Car - 72 Mo4.166.062.853.184.002.09-98
New Boat - 60 Mo5.1810.582.993.314.252.59-187
Rewards Credit Card13.2018.159.9010.3614.906.90-284
Credit Card Platinum11.6116.158.909.289.908.65-233
Credit Card Classic13.6914.889.9011.3213.909.24-236
Home Equity - LOC5.107.503.754.394.753.74-71
Home Equity - 5 Yr4.636.493.253.564.242.99-108
Home Equity - 10 Yr5.187.244.254.064.992.99-113
Home Equity - 15 Yr5.487.004.254.415.492.99-107
15 Yr Fixed3.5503.7502.7503.6033.9903.1255
20 Yr Fixed4.0054.3753.5003.9674.2403.625-4
30 Yr Fixed4.1834.5003.6254.2004.3754.0002
1 Yr ARM3.0783.0003.000 
3/1 ARM3.1023.2502.8752.6452.5002.500-46
5/1 ARM3.3963.7502.8753.3023.8752.875-9
7/1 ARM3.6754.1253.0003.5954.0003.125-8
New RV - 60 Mo5.2110.582.993.314.252.59-190
Unsecured - 36 Mo8.1513.214.008.159.507.000
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* Represents the difference in the average rate between banks and credit unions.