RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 291,768 financial institution locations in 19,663 markets across the United States as of 9/21/2023.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.965.390.011.757.990.0179
6 Mo CD - $10k1.265.650.012.555.940.01128
9 Mo CD - $10k1.405.650.013.205.830.01180
1 Yr CD - $10k1.555.700.013.146.000.01159
18 Mo CD - $10k1.375.550.003.095.750.01173
2 Yr CD - $10k1.365.300.012.965.600.01160
30 Mo CD - $10k1.075.300.012.905.300.01183
3 Yr CD - $10k1.295.400.012.855.750.01156
4 Yr CD - $10k1.255.000.012.855.500.02160
5 Yr CD - $10k1.325.800.012.945.550.02162
3 Mo CD - $100k1.025.390.011.817.990.0179
6 Mo CD - $100k1.325.650.012.575.940.01125
9 Mo CD - $100k1.485.650.013.275.830.01179
1 Yr CD - $100k1.635.700.013.196.000.01156
18 Mo CD - $100k1.435.550.003.125.600.01169
2 Yr CD - $100k1.425.300.013.025.600.01159
30 Mo CD - $100k1.115.400.012.925.350.01181
3 Yr CD - $100k1.335.500.012.905.750.01157
4 Yr CD - $100k1.295.120.012.885.500.02159
5 Yr CD - $100k1.365.900.012.985.390.02162
Youth/Student Checking   0.100.100.10 
High Rate Checking4.954.954.950.160.350.05-479
Basic Checking 0.145.000.000.207.000.016
IRA - 1 Year - $10k1.395.650.013.126.180.05173
IRA - 1 Year - $100k   2.304.551.00 
IRA - Liquid - $10k0.386.010.010.655.420.0127
IRA - Liquid - $100k   0.531.260.01 
Money Market - $2.5k0.415.400.010.725.000.0132
Money Market - $10k0.485.400.010.824.890.0134
High Rate Money Market - $10k0.835.250.011.364.500.0253
High Rate Money Market - $25k1.165.250.011.474.500.0231
Money Market - $25k0.585.400.010.984.890.0140
Money Market - $50k0.675.400.011.114.890.0145
High Rate Money Market - $50k1.285.250.011.614.500.0233
High Rate Money Market - $100k1.615.250.011.874.500.0526
Money Market - $100k0.845.400.011.345.000.0049
Money Market - $250k0.935.400.011.465.150.0053
High Rate Money Market - $250k1.705.250.012.004.650.0530
Money Market - $500k4.284.500.021.724.750.03-256
Money Market - $1 million0.170.850.021.442.000.79127
Youth/Student Savings   5.005.005.00 
High Rate Savings   0.450.450.45 
Regular Savings0.215.020.000.196.170.01-3
New Auto - 24 Mo7.3510.405.726.1717.992.49-117
New Auto - 36 Mo6.7114.002.656.0718.001.99-65
New Auto - 48 Mo6.7714.002.656.1918.001.99-58
New Auto - 60 Mo6.8514.002.656.3218.002.49-53
New Auto - 72 Mo7.0314.002.656.6010.592.74-43
New Auto - 84 Mo7.518.996.527.079.834.24-44
Used Auto - 24 Mo7.4211.155.756.4217.992.49-100
Used Auto - 36 Mo7.0515.002.886.2718.001.99-78
Used Auto - 48 Mo7.0915.002.886.3918.002.39-69
Used Auto - 60 Mo7.1114.002.886.5218.002.49-59
Used Auto - 72 Mo7.1114.002.886.8011.332.89-31
Used Auto - 84 Mo7.518.996.007.2210.504.24-29
Used Boat8.869.608.848.2112.245.74-64
New Boat7.7215.753.497.6818.002.50-4
Rewards Credit Card18.5929.904.9914.0522.491.00-454
Credit Card Platinum17.8530.493.1012.6721.901.00-518
Credit Card Classic16.3625.006.9013.0923.241.00-327
Home Equity - LOC 80%8.8912.503.258.3613.240.25-53
Home Equity - 5 Yr 80%7.7112.362.996.9811.991.00-73
Home Equity - 10 Yr 80%7.9113.252.507.3711.991.00-54
Home Equity - 15 Yr 80%8.0712.652.507.6612.491.00-41
7 Yr ARM6.4587.6970.0006.9417.2546.62848
3 Yr ARM6.1456.1456.145 
5 Yr ARM7.6357.7847.3936.6097.7576.064-103
15 Yr Fixed6.9927.2426.4756.7757.2216.529-22
20 Yr Fixed7.2857.7966.9856.9206.9206.920-37
30 Yr Fixed7.3327.8536.9817.2137.7496.873-12
5 Yr ARM-Jumbo5.7055.6255.625 
Used Motorcycle   7.8710.245.69 
New Motorcycle   7.7410.245.49 
Used Motorhome7.617.617.617.869.995.7425
New Motorhome7.7814.993.497.6816.101.00-10
Student Loan-10 Year7.417.417.419.5811.756.00217
Unsecured - 36 Mo10.8119.905.0010.6621.002.00-15
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* Represents the difference in the average rate between banks and credit unions.