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 - $10k0.180.560.010.310.600.0113
6 Mo CD - $10k0.290.850.010.611.260.0832
1 Yr CD - $10k0.641.450.051.031.650.2539
18 Mo CD - $10k0.631.400.051.051.970.1542
2 Yr CD - $10k0.751.500.101.241.910.3549
30 Mo CD - $10k0.691.700.101.402.010.3571
3 Yr CD - $10k0.861.600.151.422.020.2556
4 Yr CD - $10k1.041.830.251.652.220.6062
5 Yr CD - $10k1.252.450.351.992.630.3575
1 Mo CD - $100k0.070.250.010.210.220.2014
2 Mo CD - $100k0.080.250.01    
3 Mo CD - $100k0.170.560.010.390.700.0122
6 Mo CD - $100k0.280.850.010.631.300.0835
1 Yr CD - $100k0.631.450.051.151.870.3552
2 Yr CD - $100k0.741.500.101.382.020.3564
3 Yr CD - $100k0.851.600.151.552.250.2570
Interest Checking - $5k0.070.200.010.130.400.036
Liquid IRA Account0.110.400.020.501.260.0739
Money Market - $2.5k0.100.250.010.330.950.0123
Money Market - $10k0.140.350.030.350.950.0322
Money Market - $25k0.170.370.020.411.050.0524
Money Market - $50k0.200.400.030.471.150.0826
Money Market - $100k0.240.400.030.501.150.0826
Money Market - $250k0.281.000.030.521.150.0824
Regular Savings - $1k0.100.500.010.130.310.013
New Car - 36 Mo4.326.502.942.284.001.45-204
New Car - 48 Mo4.336.502.942.544.501.45-179
New Car - 60 Mo4.406.503.142.735.001.45-166
New Car - 72 Mo4.417.503.443.154.502.49-126
Used Car - 36 Mo5.067.252.992.574.501.60-248
Used Car - 48 Mo5.067.252.992.784.501.85-229
Used Car - 60 Mo4.316.753.343.025.001.95-129
Used Car - 72 Mo4.224.743.543.525.592.49-70
New Boat - 60 Mo6.7110.594.345.078.952.24-164
Rewards Credit Card13.7116.9911.2410.4913.406.99-323
Credit Card Platinum13.1624.999.259.8415.157.24-332
Credit Card Classic11.8715.2410.2512.3417.997.9947
Home Equity - LOC5.688.294.244.325.502.49-136
Home Equity - 5 Yr6.499.145.384.495.753.50-200
Home Equity - 10 Yr7.089.145.635.045.824.25-204
Home Equity - 15 Yr7.019.145.755.586.504.99-143
15 Yr Fixed3.9714.2953.2503.8554.0003.000-12
20 Yr Fixed4.0114.3841.0004.2894.5003.37528
30 Yr Fixed4.3564.6253.8754.3644.6253.7611
1 Yr ARM3.7054.2502.5003.5704.4732.625-14
3/1 ARM3.4364.5001.0003.5474.3912.00011
5/1 ARM4.0934.9903.1253.6424.2192.750-45
7/1 ARM4.0744.5643.2503.8284.3753.000-25
New RV - 60 Mo6.8810.594.505.249.502.24-163
Unsecured - 36 Mo10.3013.506.008.3912.155.15-191
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* Represents the difference in the average rate between banks and credit unions.