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 - $10k0.160.500.010.270.600.0111
6 Mo CD - $10k0.250.850.010.500.880.0825
1 Yr CD - $10k0.491.250.050.871.480.2238
18 Mo CD - $10k0.481.300.050.821.420.1534
2 Yr CD - $10k0.631.350.101.091.800.3045
30 Mo CD - $10k0.611.450.101.141.590.3553
3 Yr CD - $10k0.761.510.121.311.910.2555
4 Yr CD - $10k0.921.830.151.552.090.5563
5 Yr CD - $10k1.102.170.151.852.430.3575
1 Mo CD - $100k0.070.250.010.160.200.129
2 Mo CD - $100k0.070.250.01    
3 Mo CD - $100k0.140.350.010.340.650.0120
6 Mo CD - $100k0.240.850.010.550.850.0831
1 Yr CD - $100k0.471.250.051.001.480.2552
2 Yr CD - $100k0.621.350.101.221.800.3060
3 Yr CD - $100k0.741.510.121.412.020.2567
Interest Checking - $5k0.070.200.010.120.400.035
Liquid IRA Account0.110.400.020.461.260.0735
Money Market - $2.5k0.100.250.010.240.600.0114
Money Market - $10k0.130.350.030.270.600.0313
Money Market - $25k0.170.370.020.320.650.0515
Money Market - $50k0.200.400.030.360.700.0817
Money Market - $100k0.240.400.030.410.700.0817
Money Market - $250k0.271.000.030.420.750.0815
Regular Savings - $1k0.080.250.010.130.310.015
New Car - 36 Mo4.146.502.692.174.001.24-196
New Car - 48 Mo4.186.502.692.414.501.45-176
New Car - 60 Mo4.206.502.842.605.001.45-160
New Car - 72 Mo4.357.503.143.024.502.25-133
Used Car - 36 Mo4.867.252.692.494.501.60-237
Used Car - 48 Mo4.907.253.042.694.501.85-222
Used Car - 60 Mo4.096.753.042.915.001.95-118
Used Car - 72 Mo4.074.743.393.405.292.49-68
New Boat - 60 Mo6.8810.594.345.068.952.24-182
Rewards Credit Card13.6118.1510.9910.3213.156.24-329
Credit Card Platinum13.1124.999.259.4314.906.99-368
Credit Card Classic11.5314.4910.0012.3517.997.5583
Home Equity - LOC5.598.294.244.175.252.25-142
Home Equity - 5 Yr6.259.144.454.495.753.74-176
Home Equity - 10 Yr6.839.144.715.055.824.24-178
Home Equity - 15 Yr6.839.145.285.496.504.74-133
15 Yr Fixed3.5983.8753.0003.4783.3012.750-12
20 Yr Fixed3.9554.2503.5003.9013.8753.375-5
30 Yr Fixed4.0924.2503.7404.0264.1253.500-7
1 Yr ARM3.1534.2502.0003.1154.0352.000-4
3/1 ARM3.5094.5003.0003.3373.8891.625-17
5/1 ARM3.6384.7502.9723.3483.8752.500-29
7/1 ARM3.6784.1252.8753.5683.8752.875-11
New RV - 60 Mo7.0710.595.345.238.952.24-184
Unsecured - 36 Mo10.2313.506.008.2711.155.15-196
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* Represents the difference in the average rate between banks and credit unions.