RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 330,118 financial institution locations in 19,713 markets across the United States as of 12/15/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.235.500.012.025.330.0279
6 Mo CD - $10k1.645.100.012.755.000.01111
9 Mo CD - $10k1.346.910.013.125.330.01177
1 Yr CD - $10k1.705.000.013.015.120.01130
18 Mo CD - $10k1.425.500.012.975.330.01155
2 Yr CD - $10k1.474.590.012.884.590.01141
30 Mo CD - $10k1.156.910.012.864.710.05171
3 Yr CD - $10k1.375.500.012.824.600.01145
4 Yr CD - $10k1.335.500.012.834.700.05150
5 Yr CD - $10k1.405.500.012.894.330.01150
3 Mo CD - $100k1.275.500.012.065.330.0178
6 Mo CD - $100k1.685.100.012.785.000.01110
9 Mo CD - $100k1.406.910.013.135.330.01173
1 Yr CD - $100k1.755.000.013.045.150.01129
18 Mo CD - $100k1.465.500.012.995.330.01153
2 Yr CD - $100k1.534.600.012.924.750.01139
30 Mo CD - $100k1.196.910.012.9118.000.05172
3 Yr CD - $100k1.415.500.012.864.600.01145
4 Yr CD - $100k1.375.500.012.864.700.05149
5 Yr CD - $100k1.445.500.012.944.440.01150
Youth/Student Checking   0.100.100.10 
High Rate Checking0.637.000.013.047.500.01241
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 - $100k1.544.450.013.0910.650.01155
IRA - Liquid - $10k0.415.000.010.665.300.0125
IRA - Liquid - $100k0.704.700.010.725.090.012
High Rate Money Market - $2.5k0.370.750.050.683.500.0132
Money Market - $2.5k0.384.390.010.755.040.0037
Money Market - $10k0.454.390.010.844.090.0140
High Rate Money Market - $10k1.283.970.011.334.750.016
High Rate Money Market - $25k1.413.970.011.674.750.0126
Money Market - $25k0.564.500.010.995.000.0143
Money Market - $50k0.664.500.011.155.000.0149
High Rate Money Market - $50k1.513.970.011.864.750.0135
High Rate Money Market - $100k1.734.000.012.214.750.0548
Money Market - $100k0.834.500.011.395.000.0156
Money Market - $250k0.955.000.011.535.000.0159
High Rate Money Market - $250k1.884.000.012.414.750.0553
Money Market - $500k1.194.650.011.545.000.0134
High Rate Money Market - $500k2.133.920.102.254.000.5012
High Rate Money Market - $1 million2.233.950.102.464.000.5023
Money Market - $1 million1.234.650.011.595.000.0135
Youth/Student Savings   1.175.000.02 
High Rate Savings0.925.000.022.4210.000.01149
Regular Savings0.194.500.010.186.000.00-2
New Auto - 24 Mo6.5011.003.995.1317.991.99-137
New Auto - 36 Mo7.1917.502.655.2017.991.99-198
New Auto - 48 Mo7.2317.502.655.3217.991.99-191
New Auto - 60 Mo7.3017.501.065.4317.991.99-188
New Auto - 72 Mo7.3614.002.655.6817.991.99-168
New Auto - 84 Mo6.9111.003.995.9817.991.99-93
Used Auto - 24 Mo6.6411.754.495.3717.991.99-128
Used Auto - 36 Mo7.5518.002.995.4217.991.99-213
Used Auto - 48 Mo7.6118.002.995.5517.991.99-206
Used Auto - 60 Mo7.5918.002.995.6517.991.99-194
Used Auto - 72 Mo7.5714.002.995.9132.731.99-166
Used Auto - 84 Mo6.938.994.496.2018.491.99-73
Used Boat-60 Mo8.7613.185.597.6018.002.50-116
New Boat-60 Mo8.4917.500.507.4818.002.50-101
Rewards Credit Card17.7328.744.9913.7522.401.00-398
Credit Card Platinum16.8129.743.1012.3719.951.00-443
Credit Card Classic16.1629.905.5012.9429.501.00-322
Home Equity - LOC 80%7.9516.000.257.1418.000.25-81
Home Equity - 5 Yr 80%7.6312.504.006.7312.501.00-91
Home Equity - 10 Yr 80%7.7612.502.507.1012.901.00-66
Home Equity - 15 Yr 80%7.8212.992.507.3713.001.00-45
7 Yr ARM6.4088.5001.0006.0849.3751.000-32
3 Yr ARM6.5659.7501.0006.0168.5001.000-55
5 Yr ARM6.39310.2504.0005.9649.3751.000-43
15 Yr Fixed6.07315.1254.3755.90711.7501.000-17
20 Yr Fixed6.2119.0004.6186.2318.7001.0002
30 Yr Fixed6.54512.1503.5006.38013.2501.000-16
15 Yr Fixed-Jumbo5.8366.4135.6725.7876.9155.290-5
20 Yr Fixed-Jumbo6.5076.7416.2875.9996.0875.781-51
7 Yr ARM-Jumbo6.4546.4516.3616.4347.5035.965-2
5 Yr ARM-Jumbo6.5696.5296.4596.3836.6476.154-19
30 Yr Fixed-Jumbo6.5156.7746.3436.4917.1725.930-2
Used Motorcycle-60 Mo8.0113.185.597.4117.492.00-61
New Motorcycle-60 Mo7.8610.195.597.1312.502.00-73
Used Motorhome-60 Mo8.5911.015.957.5418.002.00-105
New Motorhome-60 Mo8.5118.001.757.4618.001.00-104
Student Loan-10 Year5.855.855.855.706.754.25-15
Unsecured - 36 Mo11.3225.175.0010.6920.001.64-62
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* Represents the difference in the average rate between banks and credit unions.