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 181,123 financial institution locations in 19,482 markets across the United States as of 5/28/2017.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.170.610.010.240.450.057
6 Mo CD - $10k0.270.710.010.370.750.1010
1 Yr CD - $10k0.511.400.050.671.360.3016
18 Mo CD - $10k0.711.500.030.821.500.2512
2 Yr CD - $10k0.821.750.030.951.460.4513
30 Mo CD - $10k0.922.000.031.071.560.7016
3 Yr CD - $10k1.042.100.031.192.200.7516
4 Yr CD - $10k1.242.300.101.431.941.0019
5 Yr CD - $10k1.482.550.031.672.071.1019
1 Mo CD - $100k0.090.300.01    
2 Mo CD - $100k0.100.300.01    
3 Mo CD - $100k0.160.610.010.230.500.056
6 Mo CD - $100k0.240.710.010.420.650.1018
1 Yr CD - $100k0.501.350.070.751.360.4525
2 Yr CD - $100k0.771.750.101.001.460.4523
3 Yr CD - $100k0.942.000.121.291.750.8536
Interest Checking - $5k0.070.450.010.110.500.014
Liquid IRA Account0.150.750.010.271.250.0312
Money Market - $2.5k0.111.050.010.170.550.036
Money Market - $10k0.151.050.010.210.650.056
Money Market - $25k0.191.050.010.270.750.058
Money Market - $50k0.251.050.010.320.850.108
Money Market - $100k0.301.100.010.391.000.109
Money Market - $250k0.321.100.010.391.000.108
Regular Savings - $1k0.101.050.010.227.000.0112
New Car - 36 Mo4.409.001.992.624.241.24-179
New Car - 48 Mo4.489.001.992.674.241.60-181
New Car - 60 Mo4.589.001.992.814.251.60-177
New Car - 72 Mo4.428.492.243.295.241.75-113
Used Car - 36 Mo5.0910.002.242.764.991.24-233
Used Car - 48 Mo5.1410.002.492.834.991.60-231
Used Car - 60 Mo4.7110.002.492.974.991.60-175
Used Car - 72 Mo4.366.493.243.405.741.75-96
New Boat - 60 Mo7.4013.254.495.8310.252.49-156
Rewards Credit Card13.3717.909.9011.4512.998.49-192
Credit Card Platinum11.0215.909.4910.5413.657.75-47
Credit Card Classic12.8417.9010.2411.1113.908.24-173
Home Equity - LOC4.297.903.003.835.003.00-46
Home Equity - 5 Yr4.457.012.753.644.502.88-82
Home Equity - 10 Yr4.877.033.504.185.243.25-69
Home Equity - 15 Yr5.227.253.864.586.003.25-64
15 Yr Fixed3.4983.7502.8753.4463.6252.970-5
20 Yr Fixed3.9544.2503.3753.8994.2503.250-6
30 Yr Fixed4.1494.3753.5004.1494.5003.6260
1 Yr ARM2.9303.2502.5002.6663.5001.500-26
3/1 ARM3.2493.8752.5003.2734.1252.2502
5/1 ARM3.3614.5002.5003.3574.5002.4900
7/1 ARM3.6124.7502.8753.4744.3752.875-14
New RV - 60 Mo7.4713.254.496.1010.252.49-137
Unsecured - 36 Mo12.5817.006.6910.3714.995.24-222
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* Represents the difference in the average rate between banks and credit unions.