RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 330,434 financial institution locations in 19,713 markets across the United States as of 12/19/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.225.500.012.025.330.0279
6 Mo CD - $10k1.636.910.012.745.000.01111
9 Mo CD - $10k1.346.910.013.115.330.01177
1 Yr CD - $10k1.706.910.013.005.120.01131
18 Mo CD - $10k1.425.500.012.975.330.01155
2 Yr CD - $10k1.466.910.012.884.590.01141
30 Mo CD - $10k1.156.910.012.864.710.05171
3 Yr CD - $10k1.376.910.012.824.600.01145
4 Yr CD - $10k1.336.910.012.834.350.05150
5 Yr CD - $10k1.406.910.012.904.330.01150
3 Mo CD - $100k1.266.910.012.065.330.0179
6 Mo CD - $100k1.676.910.012.785.000.01110
9 Mo CD - $100k1.406.910.013.125.330.01172
1 Yr CD - $100k1.756.910.013.045.150.01130
18 Mo CD - $100k1.466.910.012.995.330.01153
2 Yr CD - $100k1.524.600.012.924.750.01140
30 Mo CD - $100k1.196.910.012.9118.000.05173
3 Yr CD - $100k1.416.910.012.864.600.01145
4 Yr CD - $100k1.375.500.012.864.700.05149
5 Yr CD - $100k1.446.910.012.944.440.01150
Youth/Student Checking   0.100.100.10 
High Rate Checking0.667.000.013.037.500.01237
Basic Checking0.1211.000.000.226.000.0110
HSA - $1k0.060.110.010.271.010.0122
HSA - $10k0.761.450.150.482.530.01-28
HSA - $25k0.742.020.240.603.050.01-14
IRA - 1 Year - $10k1.595.000.012.994.890.01139
IRA - 1 Year - $100k1.614.450.013.0810.650.01148
IRA - Liquid - $10k0.415.000.010.665.300.0125
IRA - Liquid - $100k0.704.700.010.725.090.012
High Rate Money Market - $2.5k0.400.750.050.683.500.0128
Money Market - $2.5k0.374.390.010.755.040.0038
Money Market - $10k0.454.390.010.854.090.0140
High Rate Money Market - $10k1.263.970.011.344.650.018
High Rate Money Market - $25k1.393.970.011.674.650.0127
Money Market - $25k0.564.500.011.004.400.0144
Money Market - $50k0.654.500.011.155.000.0150
High Rate Money Market - $50k1.503.970.011.864.650.0137
High Rate Money Market - $100k1.714.000.012.204.650.0548
Money Market - $100k0.834.500.011.395.000.0156
Money Market - $250k0.945.000.011.535.000.0159
High Rate Money Market - $250k1.874.000.012.404.650.0552
Money Market - $500k1.194.650.011.545.000.0134
High Rate Money Market - $500k2.133.920.102.214.000.509
High Rate Money Market - $1 million2.233.950.102.424.000.5019
Money Market - $1 million1.234.650.011.585.000.0135
Youth/Student Savings   1.175.000.02 
High Rate Savings0.935.000.022.3910.000.01146
Regular Savings0.196.910.010.186.000.00-2
New Auto - 24 Mo6.5211.003.995.1113.251.99-142
New Auto - 36 Mo7.1717.502.655.1913.251.99-198
New Auto - 48 Mo7.2117.502.655.3013.251.99-191
New Auto - 60 Mo7.2917.501.065.4113.251.99-187
New Auto - 72 Mo7.3314.002.655.6610.201.99-168
New Auto - 84 Mo6.9111.003.995.9611.201.99-95
Used Auto - 24 Mo6.6711.754.495.3410.591.99-132
Used Auto - 36 Mo7.5318.002.995.4011.001.99-213
Used Auto - 48 Mo7.5918.002.995.5317.491.99-206
Used Auto - 60 Mo7.5718.002.995.6317.491.99-194
Used Auto - 72 Mo7.5314.002.995.9032.731.99-163
Used Auto - 84 Mo6.938.994.496.1918.491.99-74
Used Boat-60 Mo8.8113.185.597.6018.002.50-121
New Boat-60 Mo8.4917.500.507.4718.002.50-102
Rewards Credit Card17.7028.744.9913.7322.401.00-397
Credit Card Platinum16.7829.743.1012.3719.951.00-442
Credit Card Classic16.1329.905.5012.9329.501.00-320
Home Equity - LOC 80%7.9416.000.257.1118.000.25-83
Home Equity - 5 Yr 80%7.6312.504.006.7212.501.00-91
Home Equity - 10 Yr 80%7.7512.502.507.0912.901.00-66
Home Equity - 15 Yr 80%7.8112.992.507.3613.001.00-46
7 Yr ARM6.3988.5001.0006.0799.3751.000-32
3 Yr ARM6.5659.7501.0006.0188.5001.000-55
5 Yr ARM6.32310.2504.0005.9649.3751.000-36
15 Yr Fixed6.06715.1254.3755.90011.7501.000-17
20 Yr Fixed6.2349.0004.6186.2148.7001.000-2
30 Yr Fixed6.54212.1503.5006.37613.2501.000-17
15 Yr Fixed-Jumbo5.7396.4135.5865.7696.9155.2903
20 Yr Fixed-Jumbo6.4986.7416.1625.9736.0875.671-53
7 Yr ARM-Jumbo6.3386.3366.2576.3737.5035.9653
5 Yr ARM-Jumbo6.4566.4086.3806.3456.6476.154-11
30 Yr Fixed-Jumbo6.5076.7746.3536.4807.1725.903-3
Used Motorcycle-60 Mo8.1413.185.597.4117.492.00-73
New Motorcycle-60 Mo8.0110.195.597.1312.502.00-89
Used Motorhome-60 Mo8.6411.015.957.5418.002.00-110
New Motorhome-60 Mo8.5118.001.757.4518.001.00-106
Student Loan-10 Year5.855.855.855.706.754.25-15
Unsecured - 36 Mo11.3225.175.0010.6820.001.64-64
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* Represents the difference in the average rate between banks and credit unions.