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 178,340 financial institution locations in 19,477 markets across the United States as of 3/29/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.610.010.230.450.056
6 Mo CD - $10k0.270.710.010.350.700.108
1 Yr CD - $10k0.501.350.050.641.200.3014
18 Mo CD - $10k0.661.500.030.781.500.2511
2 Yr CD - $10k0.801.610.030.931.410.4513
30 Mo CD - $10k0.912.000.031.021.510.6510
3 Yr CD - $10k1.022.270.031.171.820.7515
4 Yr CD - $10k1.212.500.101.421.761.0021
5 Yr CD - $10k1.462.500.031.662.071.1021
1 Mo CD - $100k0.090.300.01    
2 Mo CD - $100k0.100.300.01    
3 Mo CD - $100k0.170.610.010.230.500.056
6 Mo CD - $100k0.240.710.010.420.650.1017
1 Yr CD - $100k0.481.350.070.731.200.4525
2 Yr CD - $100k0.731.500.100.971.410.4524
3 Yr CD - $100k0.892.250.121.321.820.8543
Interest Checking - $5k0.080.450.010.100.500.013
Liquid IRA Account0.150.750.010.261.000.0311
Money Market - $2.5k0.110.650.010.160.550.035
Money Market - $10k0.151.000.010.200.650.056
Money Market - $25k0.181.000.010.250.750.057
Money Market - $50k0.241.000.010.310.850.108
Money Market - $100k0.291.000.010.381.000.159
Money Market - $250k0.311.050.010.391.000.158
Regular Savings - $1k0.091.050.010.121.000.013
New Car - 36 Mo4.469.001.992.534.241.24-192
New Car - 48 Mo4.549.001.992.614.241.60-193
New Car - 60 Mo4.659.001.992.734.241.60-192
New Car - 72 Mo4.608.492.243.235.241.75-137
Used Car - 36 Mo5.1110.002.242.684.991.24-243
Used Car - 48 Mo5.1510.002.492.764.991.60-239
Used Car - 60 Mo4.7510.002.492.884.991.60-187
Used Car - 72 Mo4.396.493.243.345.741.75-105
New Boat - 60 Mo7.5113.254.496.0110.251.99-150
Rewards Credit Card13.2017.909.6511.4112.998.49-178
Credit Card Platinum10.9615.909.2410.5413.407.50-41
Credit Card Classic12.7517.9010.2410.6113.908.24-214
Home Equity - LOC4.228.153.003.674.752.75-54
Home Equity - 5 Yr4.487.012.753.574.992.95-91
Home Equity - 10 Yr4.877.033.504.145.743.00-73
Home Equity - 15 Yr5.247.253.804.556.243.00-69
15 Yr Fixed3.5923.7502.7503.5815.5002.875-1
20 Yr Fixed4.0874.2503.3754.0335.7503.250-5
30 Yr Fixed4.2824.7503.5004.2926.0003.4001
1 Yr ARM2.8743.0002.1252.6593.6251.500-22
3/1 ARM3.2173.7402.5003.2884.1252.2507
5/1 ARM3.3544.5002.5003.3474.1252.490-1
7/1 ARM3.5954.7502.8753.5254.3752.875-7
New RV - 60 Mo7.5813.254.496.3510.251.99-123
Unsecured - 36 Mo12.7117.007.2410.2614.995.24-246
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* Represents the difference in the average rate between banks and credit unions.