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 190,151 financial institution locations in 19,498 markets across the United States as of 11/23/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.160.500.010.280.600.0111
6 Mo CD - $10k0.260.850.010.561.010.0830
1 Yr CD - $10k0.511.250.050.941.500.2243
18 Mo CD - $10k0.501.310.050.911.770.1541
2 Yr CD - $10k0.641.450.101.121.800.3048
30 Mo CD - $10k0.611.450.101.191.650.3558
3 Yr CD - $10k0.801.510.151.351.920.2556
4 Yr CD - $10k0.971.830.251.582.090.5562
5 Yr CD - $10k1.172.170.351.902.430.3574
1 Mo CD - $100k0.070.250.010.160.200.129
2 Mo CD - $100k0.070.250.01    
3 Mo CD - $100k0.150.350.010.330.650.0118
6 Mo CD - $100k0.250.850.010.591.000.0834
1 Yr CD - $100k0.481.250.051.061.610.2558
2 Yr CD - $100k0.631.450.101.231.820.3060
3 Yr CD - $100k0.781.510.151.452.020.2567
Interest Checking - $5k0.070.200.010.120.400.035
Liquid IRA Account0.110.400.020.461.260.0735
Money Market - $2.5k0.100.250.010.250.600.0115
Money Market - $10k0.130.350.030.280.600.0315
Money Market - $25k0.170.370.020.340.650.0516
Money Market - $50k0.200.400.030.380.700.0818
Money Market - $100k0.240.400.030.420.750.0818
Money Market - $250k0.281.000.030.430.750.0815
Regular Savings - $1k0.080.250.010.130.310.015
New Car - 36 Mo4.226.502.692.214.001.24-202
New Car - 48 Mo4.276.502.692.464.501.45-181
New Car - 60 Mo4.336.502.792.675.001.45-167
New Car - 72 Mo4.487.503.393.084.502.49-140
Used Car - 36 Mo4.967.252.992.504.501.60-245
Used Car - 48 Mo5.017.252.992.704.501.85-230
Used Car - 60 Mo4.216.753.042.955.001.95-126
Used Car - 72 Mo4.164.743.543.445.292.49-72
New Boat - 60 Mo6.9210.594.345.018.952.24-190
Rewards Credit Card13.2815.9910.9910.3113.156.24-297
Credit Card Platinum13.1524.999.259.5114.906.99-364
Credit Card Classic11.6214.4910.2511.9917.997.2437
Home Equity - LOC5.568.294.244.185.252.49-137
Home Equity - 5 Yr6.279.144.614.505.753.74-177
Home Equity - 10 Yr6.849.144.714.965.822.99-188
Home Equity - 15 Yr6.859.145.405.516.504.74-134
15 Yr Fixed3.6903.6253.2503.6103.5002.875-8
20 Yr Fixed3.9994.0003.6254.0404.0003.3754
30 Yr Fixed4.1654.1253.7404.1174.2503.625-5
1 Yr ARM3.3184.2502.0003.3244.0662.6251
3/1 ARM3.5844.5003.1253.4473.9031.875-14
5/1 ARM3.7734.7502.9723.4543.8752.500-32
7/1 ARM3.8254.3753.2503.6723.8752.875-15
New RV - 60 Mo7.1010.595.645.199.502.24-192
Unsecured - 36 Mo10.2813.506.008.1811.155.15-210
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* Represents the difference in the average rate between banks and credit unions.