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 - $10k1.052.250.011.775.330.5072
6 Mo CD - $10k1.434.000.012.414.150.4599
9 Mo CD - $10k1.323.200.015.335.335.33401
1 Yr CD - $10k1.341.980.013.034.001.35170
18 Mo CD - $10k1.301.650.013.555.332.00224
2 Yr CD - $10k1.361.800.012.813.551.35144
30 Mo CD - $10k1.201.850.013.093.292.89189
3 Yr CD - $10k1.883.150.012.823.701.3594
4 Yr CD - $10k1.582.900.013.144.202.89156
5 Yr CD - $10k2.012.900.012.993.502.5098
3 Mo CD - $100k1.052.250.012.185.330.50114
6 Mo CD - $100k1.404.000.012.424.150.50102
9 Mo CD - $100k1.363.440.015.335.335.33397
1 Yr CD - $100k1.392.230.013.044.001.35165
18 Mo CD - $100k1.301.650.013.565.332.00226
2 Yr CD - $100k1.401.800.012.813.601.35141
30 Mo CD - $100k1.201.850.013.093.292.89189
3 Yr CD - $100k1.853.250.012.823.751.3597
4 Yr CD - $100k1.603.000.012.973.012.89137
5 Yr CD - $100k2.023.000.012.993.552.5098
High Rate Checking   2.124.000.35 
Basic Checking0.050.070.010.281.000.0123
IRA - 1 Year - $10k1.371.980.012.974.001.35160
IRA - 1 Year - $100k0.010.010.013.074.001.35306
IRA - Liquid - $10k0.040.060.010.401.870.0536
IRA - Liquid - $100k   0.481.870.05 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k1.333.000.500.310.900.05-103
Money Market - $10k1.333.000.500.341.000.05-99
High Rate Money Market - $10k   0.250.250.25 
High Rate Money Market - $25k   0.250.250.25 
Money Market - $25k1.333.000.500.441.060.05-90
Money Market - $50k1.333.000.500.581.450.05-76
High Rate Money Market - $50k   0.250.250.25 
High Rate Money Market - $100k   1.601.601.60 
Money Market - $100k1.333.000.500.651.450.15-68
Money Market - $250k1.333.000.500.671.450.15-67
High Rate Money Market - $250k   1.751.751.75 
Money Market - $500k   0.531.450.15 
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million   0.531.450.15 
High Rate Savings0.020.020.022.373.001.40235
Regular Savings0.533.250.010.341.870.01-19
New Auto - 24 Mo   5.8613.253.89 
New Auto - 36 Mo5.595.595.595.2013.253.75-39
New Auto - 48 Mo6.317.745.595.4113.253.75-90
New Auto - 60 Mo6.267.595.595.4713.253.75-79
New Auto - 72 Mo7.447.447.444.936.493.75-251
New Auto - 84 Mo   5.896.494.99 
Used Auto - 24 Mo   5.9310.594.49 
Used Auto - 36 Mo6.496.496.495.6010.594.49-89
Used Auto - 48 Mo6.496.496.495.8510.594.99-64
Used Auto - 60 Mo6.496.496.495.9110.594.99-58
Used Auto - 72 Mo6.496.496.496.1911.494.99-30
Used Auto - 84 Mo   7.6912.195.99 
Used Boat-60 Mo   7.339.006.29 
New Boat-60 Mo   8.0810.895.99 
Rewards Credit Card16.7320.2413.7013.3317.998.99-340
Credit Card Platinum18.3520.2417.2512.7917.9910.49-555
Credit Card Classic16.7320.2413.7013.4715.0011.24-326
Home Equity - LOC 80%   7.027.756.25 
Home Equity - 5 Yr 80%   6.507.344.92 
Home Equity - 10 Yr 80%   6.847.655.65 
Home Equity - 15 Yr 80%   7.067.956.14 
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
Used Motorcycle-60 Mo   8.6510.057.24 
New Motorcycle-60 Mo   7.357.956.74 
Used Motorhome-60 Mo   7.017.456.29 
New Motorhome-60 Mo   6.797.705.29 
Unsecured - 36 Mo7.197.995.997.8310.044.9964
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* Represents the difference in the average rate between banks and credit unions.