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 - $10k0.221.600.030.331.000.0511
6 Mo CD - $10k0.341.700.030.491.260.1015
1 Yr CD - $10k0.582.070.050.861.870.1528
18 Mo CD - $10k0.852.070.031.102.020.2524
2 Yr CD - $10k0.932.250.031.182.120.5025
30 Mo CD - $10k1.072.250.031.312.150.8024
3 Yr CD - $10k1.112.250.031.382.280.5528
4 Yr CD - $10k1.302.510.101.552.361.0025
5 Yr CD - $10k1.572.750.031.802.521.1023
1 Mo CD - $100k0.100.300.03    
2 Mo CD - $100k0.110.300.03    
3 Mo CD - $100k0.211.600.030.350.950.0514
6 Mo CD - $100k0.321.700.030.571.150.1025
1 Yr CD - $100k0.592.070.070.931.600.5034
2 Yr CD - $100k0.862.070.101.242.000.8038
3 Yr CD - $100k1.142.220.201.441.870.9430
Interest Checking - $5k0.080.500.010.120.500.014
Liquid IRA Account0.160.650.010.301.360.0214
Money Market - $2.5k0.131.250.010.200.550.037
Money Market - $10k0.161.250.010.260.900.059
Money Market - $25k0.221.550.010.341.400.0512
Money Market - $50k0.281.550.010.421.400.1014
Money Market - $100k0.341.550.010.491.410.1516
Money Market - $250k0.361.550.010.491.510.1513
Regular Savings - $1k0.101.500.010.131.360.013
New Car - 36 Mo4.369.001.992.674.391.24-169
New Car - 48 Mo4.449.001.992.784.391.74-166
New Car - 60 Mo4.539.001.992.904.391.75-163
New Car - 72 Mo4.417.082.243.414.991.75-100
Used Car - 36 Mo4.9810.002.242.824.671.24-217
Used Car - 48 Mo5.0410.002.492.914.671.74-213
Used Car - 60 Mo4.6410.002.493.044.741.99-160
Used Car - 72 Mo4.526.493.093.535.741.75-99
New Boat - 60 Mo7.4513.254.495.9810.242.49-147
Rewards Credit Card13.7217.2410.4011.7213.408.49-201
Credit Card Platinum11.4816.4010.2410.8214.157.99-66
Credit Card Classic12.9217.9010.2410.8213.907.49-211
Home Equity - LOC4.708.603.754.305.503.25-40
Home Equity - 5 Yr4.487.012.753.705.382.75-77
Home Equity - 10 Yr4.897.033.504.245.383.00-65
Home Equity - 15 Yr5.227.253.814.696.003.25-53
15 Yr Fixed3.8914.2502.9903.8334.1252.970-6
20 Yr Fixed4.1894.5003.6254.1494.5003.250-4
30 Yr Fixed4.3844.7503.8754.3544.6253.626-3
1 Yr ARM2.9583.5002.5002.9633.8751.9900
3/1 ARM3.2574.1251.0003.4274.7502.25017
5/1 ARM3.5104.8752.5003.5464.5002.5004
7/1 ARM3.7544.7502.8753.7544.6252.8750
New RV - 60 Mo7.5313.504.496.2110.002.49-132
Unsecured - 36 Mo12.4117.006.2410.1614.995.24-225
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* Represents the difference in the average rate between banks and credit unions.