RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 314,602 financial institution locations in 19,713 markets across the United States as of 2/18/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.275.500.012.085.330.0281
6 Mo CD - $10k1.635.500.012.886.630.01124
9 Mo CD - $10k1.375.500.013.235.330.01185
1 Yr CD - $10k1.765.500.013.165.300.01139
18 Mo CD - $10k1.485.500.013.075.330.01159
2 Yr CD - $10k1.515.500.012.945.010.01142
30 Mo CD - $10k1.165.500.012.914.900.05175
3 Yr CD - $10k1.385.500.012.865.000.01148
4 Yr CD - $10k1.335.500.012.864.700.01152
5 Yr CD - $10k1.395.500.012.924.830.01152
3 Mo CD - $100k1.335.500.012.135.330.0279
6 Mo CD - $100k1.685.500.012.916.000.01122
9 Mo CD - $100k1.445.500.013.255.330.01181
1 Yr CD - $100k1.835.500.013.215.150.01138
18 Mo CD - $100k1.525.500.013.095.330.01157
2 Yr CD - $100k1.575.500.012.985.000.01141
30 Mo CD - $100k1.205.500.012.944.900.05173
3 Yr CD - $100k1.425.500.012.914.850.01149
4 Yr CD - $100k1.365.500.012.894.700.01153
5 Yr CD - $100k1.435.500.012.964.850.01153
Youth/Student Checking   0.100.100.10 
High Rate Checking0.716.500.012.967.500.01225
Basic Checking 0.134.000.000.216.170.018
HSA - $1k0.010.010.010.190.600.0118
HSA - $10k1.451.451.450.270.600.01-118
HSA - $25k   0.421.010.01 
IRA - 1 Year - $10k1.665.170.013.145.120.01148
IRA - 1 Year - $100k1.814.540.013.2910.650.05148
IRA - Liquid - $10k0.435.310.010.685.300.0125
IRA - Liquid - $100k0.644.700.010.734.700.019
High Rate Money Market - $2.5k0.531.000.051.173.250.0564
Money Market - $2.5k0.405.120.010.765.000.0136
Money Market - $10k0.475.120.010.864.590.0139
High Rate Money Market - $10k0.994.590.011.444.100.0245
High Rate Money Market - $25k1.145.000.011.674.100.0253
Money Market - $25k0.575.120.011.024.590.0144
Money Market - $50k0.675.120.011.174.590.0150
High Rate Money Market - $50k1.295.000.011.854.100.0256
High Rate Money Market - $100k1.495.000.012.144.100.0565
Money Market - $100k0.855.120.011.414.590.0156
Money Market - $250k0.955.120.011.564.590.0161
High Rate Money Market - $250k1.635.000.012.324.300.0569
Money Market - $500k1.224.750.011.564.500.0133
High Rate Money Market - $500k2.283.750.102.654.300.5037
High Rate Money Market - $1 million2.324.000.102.854.300.5053
Money Market - $1 million1.264.650.011.624.500.0136
Youth/Student Savings   2.135.000.25 
High Rate Savings0.775.000.022.9710.000.01220
Regular Savings0.205.000.010.196.180.00-2
New Auto - 24 Mo7.3011.004.995.469.201.99-183
New Auto - 36 Mo7.3715.002.655.689.951.99-170
New Auto - 48 Mo7.4115.002.655.809.951.99-161
New Auto - 60 Mo7.5015.001.065.919.951.99-159
New Auto - 72 Mo7.5914.002.656.1710.051.99-141
New Auto - 84 Mo7.2111.005.646.4610.201.99-75
Used Auto - 24 Mo7.4411.755.495.719.201.99-173
Used Auto - 36 Mo7.6915.002.995.909.951.99-180
Used Auto - 48 Mo7.7515.002.996.029.951.99-173
Used Auto - 60 Mo7.7415.002.996.139.951.99-160
Used Auto - 72 Mo7.8114.002.996.3910.051.99-141
Used Auto - 84 Mo7.3013.395.646.6210.201.99-68
Used Boat-60 Mo8.7411.015.597.8216.192.00-92
New Boat-60 Mo8.4915.750.507.7318.002.00-76
Rewards Credit Card18.1227.244.9913.9821.491.00-414
Credit Card Platinum17.1429.743.1012.6024.241.00-455
Credit Card Classic16.3028.995.5013.1829.501.00-312
Home Equity - LOC 80%8.3716.003.257.6616.950.25-72
Home Equity - 5 Yr 80%8.0912.754.007.0213.001.00-107
Home Equity - 10 Yr 80%8.1312.752.507.3814.001.00-75
Home Equity - 15 Yr 80%8.2412.992.507.6714.251.00-56
7 Yr ARM7.0367.2326.8716.6797.4426.079-36
3 Yr ARM6.3736.6746.197 
5 Yr ARM7.0147.0986.9586.5777.3065.876-44
15 Yr Fixed6.2226.4735.8936.2086.9475.694-1
20 Yr Fixed6.6227.0386.3516.6496.8856.5153
30 Yr Fixed6.8757.1036.7156.7467.1056.418-13
15 Yr Fixed-Jumbo6.2946.2946.294 
20 Yr Fixed-Jumbo7.0047.0047.004 
7 Yr ARM-Jumbo6.9886.9886.988 
5 Yr ARM-Jumbo7.0307.0307.030 
30 Yr Fixed-Jumbo7.0737.0737.073 
Used Motorcycle-60 Mo7.9310.995.597.6513.992.50-28
New Motorcycle-60 Mo7.809.995.597.3712.502.50-44
Used Motorhome-60 Mo8.6711.016.247.7916.192.00-89
New Motorhome-60 Mo8.5418.002.997.7118.001.00-83
Student Loan-10 Year8.928.928.927.959.257.00-97
Unsecured - 36 Mo11.4825.173.7510.8620.001.49-62
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* Represents the difference in the average rate between banks and credit unions.