RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,723 financial institution locations in 19,713 markets across the United States as of 12/7/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.245.500.012.025.330.0278
6 Mo CD - $10k1.645.100.012.755.000.01111
9 Mo CD - $10k1.356.910.013.125.330.01177
1 Yr CD - $10k1.715.000.013.015.120.01131
18 Mo CD - $10k1.425.500.012.985.330.01156
2 Yr CD - $10k1.474.580.012.884.590.01141
30 Mo CD - $10k1.146.910.012.864.710.05172
3 Yr CD - $10k1.375.500.012.824.600.01145
4 Yr CD - $10k1.335.500.012.834.700.05151
5 Yr CD - $10k1.395.500.012.904.590.01150
3 Mo CD - $100k1.285.500.012.065.330.0178
6 Mo CD - $100k1.685.100.012.795.000.01110
9 Mo CD - $100k1.416.910.013.145.330.01173
1 Yr CD - $100k1.755.000.013.055.150.01130
18 Mo CD - $100k1.465.500.013.005.330.01154
2 Yr CD - $100k1.534.580.012.934.750.01140
30 Mo CD - $100k1.186.910.012.9118.000.05173
3 Yr CD - $100k1.415.500.012.864.600.01145
4 Yr CD - $100k1.365.500.012.864.700.05150
5 Yr CD - $100k1.435.500.012.944.590.01151
Youth/Student Checking   0.100.100.10 
High Rate Checking0.627.000.013.077.500.01244
Basic Checking0.1211.000.000.226.000.0110
HSA - $1k0.060.110.010.271.010.0122
HSA - $10k0.761.450.150.482.530.01-28
HSA - $25k0.742.020.240.603.050.01-14
IRA - 1 Year - $10k1.605.000.012.994.890.01139
IRA - 1 Year - $100k1.584.450.013.1010.650.01152
IRA - Liquid - $10k0.415.000.010.665.300.0125
IRA - Liquid - $100k0.704.700.010.725.090.012
High Rate Money Market - $2.5k0.320.750.050.683.500.0136
Money Market - $2.5k0.384.390.010.755.040.0037
Money Market - $10k0.454.390.010.854.090.0140
High Rate Money Market - $10k1.274.000.011.344.750.017
High Rate Money Market - $25k1.414.000.011.684.750.0127
Money Market - $25k0.564.500.011.005.000.0143
Money Market - $50k0.664.500.011.155.000.0149
High Rate Money Market - $50k1.524.000.011.874.750.0136
High Rate Money Market - $100k1.734.000.012.224.750.0548
Money Market - $100k0.844.500.011.395.000.0155
Money Market - $250k0.955.000.011.535.000.0158
High Rate Money Market - $250k1.884.000.012.414.750.0553
Money Market - $500k1.194.650.011.545.000.0134
High Rate Money Market - $500k2.103.920.102.254.000.5015
High Rate Money Market - $1 million2.203.950.102.464.000.5026
Money Market - $1 million1.244.650.011.595.000.0135
Youth/Student Savings   1.175.000.02 
High Rate Savings0.935.000.022.4210.000.01150
Regular Savings0.194.500.010.186.000.00-2
New Auto - 24 Mo6.5111.003.395.1417.991.99-137
New Auto - 36 Mo7.2017.502.655.2117.991.99-198
New Auto - 48 Mo7.2417.502.655.3317.991.99-191
New Auto - 60 Mo7.3217.501.065.4417.991.99-188
New Auto - 72 Mo7.3814.002.655.6917.991.99-169
New Auto - 84 Mo6.9111.003.995.9917.991.99-92
Used Auto - 24 Mo6.6511.754.495.3817.991.99-127
Used Auto - 36 Mo7.5618.002.995.4317.991.99-213
Used Auto - 48 Mo7.6218.002.995.5517.991.99-206
Used Auto - 60 Mo7.6018.002.995.6617.991.99-195
Used Auto - 72 Mo7.5914.002.995.9232.731.99-167
Used Auto - 84 Mo6.938.994.496.2118.491.99-72
Used Boat-60 Mo8.7713.185.597.6218.002.50-115
New Boat-60 Mo8.5017.500.507.4918.002.50-102
Rewards Credit Card17.7628.744.9913.7622.401.00-399
Credit Card Platinum16.8329.743.1012.3919.951.00-444
Credit Card Classic16.3629.905.5012.9429.501.00-342
Home Equity - LOC 80%7.9916.000.257.1818.000.25-80
Home Equity - 5 Yr 80%7.6412.504.006.7412.501.00-90
Home Equity - 10 Yr 80%7.7612.502.507.1112.901.00-65
Home Equity - 15 Yr 80%7.8312.992.507.3813.001.00-45
7 Yr ARM6.4058.5001.0006.0819.3751.000-32
3 Yr ARM6.5679.7501.0006.0088.5001.000-56
5 Yr ARM6.39810.2504.0005.9689.3751.000-43
15 Yr Fixed6.07815.1254.3755.90111.7501.000-18
20 Yr Fixed6.1659.0004.6186.2088.7001.0004
30 Yr Fixed6.54912.1503.5006.37713.2501.000-17
15 Yr Fixed-Jumbo5.7366.6655.5815.7976.9155.2906
20 Yr Fixed-Jumbo6.4466.3786.2876.0546.2255.895-39
7 Yr ARM-Jumbo6.4406.3916.3606.4137.5035.965-3
5 Yr ARM-Jumbo6.5366.5106.4536.3766.6476.143-16
30 Yr Fixed-Jumbo6.4896.5276.3076.4827.1725.930-1
Used Motorcycle-60 Mo8.0113.185.597.4017.492.00-61
New Motorcycle-60 Mo7.8610.195.597.1212.502.00-74
Used Motorhome-60 Mo8.6011.015.957.5618.002.00-104
New Motorhome-60 Mo8.5118.001.757.4718.001.00-104
Student Loan-10 Year5.855.855.855.706.754.25-15
Unsecured - 36 Mo11.3325.175.0010.7020.001.64-63
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* Represents the difference in the average rate between banks and credit unions.