RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,733 financial institution locations in 19,713 markets across the United States as of 12/9/2025.

Sort by Product  / State

Arizona

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.244.000.012.605.330.10136
6 Mo CD - $10k1.944.040.013.254.150.15131
9 Mo CD - $10k1.563.750.013.695.331.00213
1 Yr CD - $10k1.893.990.013.424.090.30153
18 Mo CD - $10k1.713.550.013.375.330.80166
2 Yr CD - $10k1.643.800.013.254.290.45161
30 Mo CD - $10k1.313.410.013.414.712.80209
3 Yr CD - $10k1.563.800.013.164.290.60160
4 Yr CD - $10k1.523.800.013.064.200.95154
5 Yr CD - $10k1.683.890.013.124.101.10145
3 Mo CD - $100k1.244.000.012.665.330.10141
6 Mo CD - $100k2.014.040.013.304.150.15129
9 Mo CD - $100k1.703.750.013.705.331.00200
1 Yr CD - $100k1.933.990.013.444.090.35151
18 Mo CD - $100k1.753.550.013.425.330.80168
2 Yr CD - $100k1.703.800.013.314.290.50161
30 Mo CD - $100k1.333.410.013.384.152.89204
3 Yr CD - $100k1.623.800.013.234.290.65161
4 Yr CD - $100k1.533.800.013.134.051.00160
5 Yr CD - $100k1.723.890.013.214.101.10149
High Rate Checking0.823.250.012.044.000.10122
Basic Checking0.080.720.000.152.000.016
IRA - 1 Year - $10k1.804.250.013.514.300.35170
IRA - 1 Year - $100k1.603.550.013.674.252.85207
IRA - Liquid - $10k0.784.750.011.155.300.0237
IRA - Liquid - $100k1.093.560.010.974.340.03-12
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.412.960.010.783.200.0537
Money Market - $10k0.472.960.010.903.250.0543
High Rate Money Market - $10k0.893.690.030.350.500.25-54
High Rate Money Market - $25k0.963.690.031.043.200.258
Money Market - $25k0.723.750.011.023.250.0530
Money Market - $50k0.813.750.011.243.750.0543
High Rate Money Market - $50k0.973.690.031.343.250.2536
High Rate Money Market - $100k1.303.690.032.003.300.5071
Money Market - $100k1.003.750.011.583.750.1558
Money Market - $250k1.213.750.011.803.750.1559
High Rate Money Market - $250k1.543.690.032.083.510.5054
Money Market - $500k1.334.000.051.813.750.2548
High Rate Money Market - $500k2.322.632.001.951.951.95-37
High Rate Money Market - $1 million2.322.632.002.152.152.15-17
Money Market - $1 million1.424.000.051.853.950.2543
High Rate Savings0.773.000.023.035.000.10226
Regular Savings0.233.940.010.254.340.012
New Auto - 24 Mo7.299.325.385.4710.203.89-182
New Auto - 36 Mo7.039.095.295.6410.203.89-139
New Auto - 48 Mo7.019.095.295.7410.204.19-127
New Auto - 60 Mo7.069.755.295.8010.204.29-126
New Auto - 72 Mo7.099.354.946.0510.204.49-104
New Auto - 84 Mo7.798.595.996.3211.204.49-147
Used Auto - 24 Mo7.399.775.385.6510.204.00-174
Used Auto - 36 Mo7.109.605.295.7910.204.19-131
Used Auto - 48 Mo7.149.605.295.9010.204.44-125
Used Auto - 60 Mo7.079.605.295.9710.204.49-111
Used Auto - 72 Mo7.289.605.696.2310.204.49-105
Used Auto - 84 Mo7.848.785.996.4811.204.49-136
Used Boat-60 Mo8.6311.015.598.2112.454.49-42
New Boat-60 Mo8.4211.025.598.1912.454.49-23
Rewards Credit Card17.5723.4911.7414.4617.996.99-310
Credit Card Platinum15.9318.493.1012.9117.993.10-302
Credit Card Classic16.2524.9912.0013.3617.497.49-289
Home Equity - LOC 80%7.719.275.997.498.506.50-22
Home Equity - 5 Yr 80%8.1510.616.256.959.064.99-120
Home Equity - 10 Yr 80%8.1710.616.757.059.144.99-112
Home Equity - 15 Yr 80%8.3310.616.757.399.144.99-94
7 Yr ARM6.4606.7056.1916.0236.5905.247-44
3 Yr ARM5.9946.3905.597 
5 Yr ARM6.4196.5966.1545.8576.3314.995-56
15 Yr Fixed5.6735.9975.4335.4335.7545.125-24
20 Yr Fixed5.9416.4125.6265.9046.3755.500-4
30 Yr Fixed6.2457.1105.7255.9936.3755.740-25
15 Yr Fixed-Jumbo5.7125.7125.712 
20 Yr Fixed-Jumbo6.4256.4256.425 
7 Yr ARM-Jumbo6.3926.3926.392 
5 Yr ARM-Jumbo6.5186.5186.518 
30 Yr Fixed-Jumbo6.4576.4576.457 
Used Motorcycle-60 Mo7.4210.195.597.7812.504.4936
New Motorcycle-60 Mo7.4210.195.597.5512.504.4912
Used Motorhome-60 Mo9.2311.017.258.1012.454.44-114
New Motorhome-60 Mo8.7111.005.907.9912.454.44-72
Unsecured - 36 Mo11.2617.996.9911.4617.998.4920
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2025 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.