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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.293.970.011.925.330.0563
6 Mo CD - $10k1.824.200.012.454.150.1163
9 Mo CD - $10k2.164.200.013.245.330.50109
1 Yr CD - $10k1.903.980.013.094.020.05118
18 Mo CD - $10k1.823.950.013.125.330.60130
2 Yr CD - $10k1.763.750.012.984.000.05122
30 Mo CD - $10k1.593.680.012.964.001.69137
3 Yr CD - $10k1.743.750.012.924.000.05119
4 Yr CD - $10k1.713.750.012.934.200.05121
5 Yr CD - $10k1.853.750.013.004.000.55114
3 Mo CD - $100k1.343.970.012.215.330.0587
6 Mo CD - $100k1.904.200.012.464.150.1156
9 Mo CD - $100k2.174.200.013.275.330.50110
1 Yr CD - $100k1.963.980.013.104.050.05114
18 Mo CD - $100k1.923.950.013.145.330.60122
2 Yr CD - $100k1.783.750.013.014.050.05124
30 Mo CD - $100k1.623.680.012.994.051.69137
3 Yr CD - $100k1.763.750.012.964.050.05120
4 Yr CD - $100k1.743.750.012.954.050.05121
5 Yr CD - $100k1.873.750.013.044.050.55117
High Rate Checking0.020.020.012.636.000.05261
Basic Checking0.101.240.010.215.500.0111
IRA - 1 Year - $10k1.903.950.012.974.750.25107
IRA - 1 Year - $100k1.903.900.013.374.800.25147
IRA - Liquid - $10k0.593.250.010.584.340.010
IRA - Liquid - $100k0.882.000.010.854.340.01-3
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.492.750.010.774.000.0128
Money Market - $10k0.562.750.010.823.200.0125
High Rate Money Market - $10k0.453.440.011.082.860.2562
High Rate Money Market - $25k0.663.440.031.083.200.0542
Money Market - $25k0.632.750.011.093.200.0346
Money Market - $50k0.773.500.011.223.200.0545
High Rate Money Market - $50k0.873.440.051.773.250.0590
High Rate Money Market - $100k1.033.440.142.243.450.05121
Money Market - $100k0.993.690.011.403.500.0541
Money Market - $250k1.083.690.011.593.810.0550
High Rate Money Market - $250k1.073.440.142.263.450.05120
Money Market - $500k0.862.290.011.494.000.0562
High Rate Money Market - $500k   2.182.401.95 
High Rate Money Market - $1 million   2.282.402.15 
Money Market - $1 million0.983.000.011.634.000.0566
High Rate Savings1.653.400.023.345.002.00170
Regular Savings0.223.830.010.224.340.010
New Auto - 24 Mo6.358.994.944.876.993.05-148
New Auto - 36 Mo7.6313.273.555.016.993.05-263
New Auto - 48 Mo7.3911.753.555.256.993.99-214
New Auto - 60 Mo7.3612.443.755.397.193.99-197
New Auto - 72 Mo7.2712.643.755.727.994.29-156
New Auto - 84 Mo6.588.994.946.147.904.49-44
Used Auto - 24 Mo6.398.994.945.256.993.05-114
Used Auto - 36 Mo7.9713.773.995.247.403.05-274
Used Auto - 48 Mo7.7812.504.245.487.403.99-230
Used Auto - 60 Mo7.7712.504.395.627.403.99-216
Used Auto - 72 Mo7.3412.644.505.877.404.29-147
Used Auto - 84 Mo6.588.994.946.417.904.49-17
Used Boat-60 Mo8.608.608.608.2914.494.49-31
New Boat-60 Mo9.0611.756.507.3813.494.49-169
Rewards Credit Card17.3226.749.9913.7418.006.90-358
Credit Card Platinum16.2529.748.9912.4917.995.99-376
Credit Card Classic15.5020.9910.2413.3318.008.00-218
Home Equity - LOC 80%8.0411.756.997.279.504.85-77
Home Equity - 5 Yr 80%6.878.295.126.6912.503.75-18
Home Equity - 10 Yr 80%7.538.505.627.0212.905.49-52
Home Equity - 15 Yr 80%7.498.635.877.3213.005.49-16
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 Mo   7.5012.004.49 
New Motorcycle-60 Mo   7.2012.004.49 
Used Motorhome-60 Mo7.747.747.748.1814.494.4944
New Motorhome-60 Mo9.1311.756.507.3113.994.49-182
Unsecured - 36 Mo12.4717.276.7410.2418.506.99-223
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* Represents the difference in the average rate between banks and credit unions.