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 - $10k1.453.940.011.275.000.15-18
6 Mo CD - $10k2.174.650.012.415.000.2024
9 Mo CD - $10k2.475.020.012.584.250.0111
1 Yr CD - $10k2.234.240.012.564.180.0133
18 Mo CD - $10k2.053.930.012.374.150.0132
2 Yr CD - $10k2.104.100.012.473.900.0137
30 Mo CD - $10k2.113.750.012.564.000.4045
3 Yr CD - $10k2.093.770.012.323.650.0123
4 Yr CD - $10k2.123.810.012.433.650.5531
5 Yr CD - $10k2.203.700.012.323.800.0112
3 Mo CD - $100k1.513.990.011.075.000.15-44
6 Mo CD - $100k2.234.650.012.365.000.2013
9 Mo CD - $100k2.495.300.012.584.350.0110
1 Yr CD - $100k2.294.240.012.574.350.0128
18 Mo CD - $100k2.125.050.012.244.500.0112
2 Yr CD - $100k2.154.100.012.504.000.0135
30 Mo CD - $100k2.173.800.012.684.000.4050
3 Yr CD - $100k2.143.800.012.383.750.0124
4 Yr CD - $100k2.173.810.012.453.650.5528
5 Yr CD - $100k2.263.750.012.343.830.018
High Rate Checking2.054.000.012.915.000.1086
Basic Checking0.214.000.010.345.000.0113
HSA - $1k   0.250.250.25 
HSA - $10k   0.350.350.35 
HSA - $25k   0.400.400.40 
IRA - 1 Year - $10k2.074.630.032.324.100.0125
IRA - 1 Year - $100k2.614.041.002.454.100.30-16
IRA - Liquid - $10k1.444.250.010.714.070.01-73
IRA - Liquid - $100k0.642.000.010.451.300.05-19
High Rate Money Market - $2.5k   2.683.501.85 
Money Market - $2.5k0.482.600.010.803.750.1032
Money Market - $10k0.582.600.010.994.000.1041
High Rate Money Market - $10k1.063.500.082.073.500.50101
High Rate Money Market - $25k1.323.500.102.283.501.3496
Money Market - $25k0.723.110.011.204.000.1547
Money Market - $50k0.853.110.011.334.000.2048
High Rate Money Market - $50k1.433.500.102.313.501.3988
High Rate Money Market - $100k1.683.550.102.513.551.8084
Money Market - $100k1.103.540.011.534.000.2543
Money Market - $250k1.273.540.011.644.000.2537
High Rate Money Market - $250k1.923.600.102.073.600.6515
Money Market - $500k1.623.750.011.503.400.25-11
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.683.750.011.533.500.25-14
High Rate Savings0.973.300.021.964.000.1599
Regular Savings0.251.840.010.201.650.05-5
New Auto - 24 Mo6.478.595.385.095.844.29-137
New Auto - 36 Mo7.2211.004.255.237.254.29-200
New Auto - 48 Mo7.2811.004.255.317.254.49-197
New Auto - 60 Mo7.3111.004.255.377.254.74-195
New Auto - 72 Mo7.3710.194.255.578.004.89-180
New Auto - 84 Mo7.258.596.245.817.195.19-144
Used Auto - 24 Mo6.718.595.385.546.994.49-116
Used Auto - 36 Mo7.5311.004.495.507.254.49-203
Used Auto - 48 Mo7.5611.004.495.547.254.49-202
Used Auto - 60 Mo7.6011.004.495.607.254.74-200
Used Auto - 72 Mo7.5810.004.755.838.004.89-176
Used Auto - 84 Mo7.428.596.246.238.495.24-119
Used Boat-60 Mo7.649.295.957.4011.245.75-24
New Boat-60 Mo7.9311.004.007.1411.244.75-79
Rewards Credit Card17.2523.749.9914.1418.498.90-311
Credit Card Platinum15.8418.748.9912.9017.747.99-294
Credit Card Classic14.7417.7411.9913.0517.997.75-169
Home Equity - LOC 80%7.8110.003.256.808.004.49-101
Home Equity - 5 Yr 80%7.3910.005.996.749.883.99-65
Home Equity - 10 Yr 80%7.469.035.997.2810.135.25-18
Home Equity - 15 Yr 80%7.619.256.407.629.985.751
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 Mo7.317.666.956.298.744.99-101
New Motorcycle-60 Mo7.317.666.955.988.744.74-133
Used Motorhome-60 Mo7.639.295.957.2310.245.75-40
New Motorhome-60 Mo7.9711.005.507.0210.244.75-96
Unsecured - 36 Mo12.8221.006.7410.9114.748.25-192
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* Represents the difference in the average rate between banks and credit unions.