RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,802 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 - $10k1.463.970.012.185.330.1072
6 Mo CD - $10k1.974.060.012.844.250.1087
9 Mo CD - $10k2.103.920.013.235.330.65113
1 Yr CD - $10k2.013.970.013.114.550.20110
18 Mo CD - $10k1.873.900.013.065.330.90119
2 Yr CD - $10k1.703.920.012.954.500.40124
30 Mo CD - $10k1.734.500.013.124.001.25139
3 Yr CD - $10k1.623.900.012.914.300.50129
4 Yr CD - $10k1.633.780.012.934.200.65130
5 Yr CD - $10k1.714.150.012.973.950.70126
3 Mo CD - $100k1.513.970.012.135.330.1062
6 Mo CD - $100k2.014.060.012.814.250.1080
9 Mo CD - $100k2.103.920.013.255.330.65115
1 Yr CD - $100k2.063.970.013.095.150.20104
18 Mo CD - $100k1.913.900.013.025.330.75112
2 Yr CD - $100k1.753.920.012.934.550.40118
30 Mo CD - $100k1.745.000.013.124.001.50137
3 Yr CD - $100k1.643.900.012.904.350.50127
4 Yr CD - $100k1.653.780.012.913.900.65126
5 Yr CD - $100k1.724.150.012.974.000.70125
High Rate Checking1.193.550.013.526.750.05233
Basic Checking0.111.400.010.182.500.018
IRA - 1 Year - $10k1.973.970.013.054.050.15108
IRA - 1 Year - $100k2.383.900.013.114.000.3573
IRA - Liquid - $10k0.453.790.010.484.340.012
IRA - Liquid - $100k1.243.300.010.524.340.01-73
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.393.300.010.913.930.0152
Money Market - $10k0.553.300.010.973.250.0143
High Rate Money Market - $10k1.123.900.032.203.500.25108
High Rate Money Market - $25k1.263.900.032.463.500.25120
Money Market - $25k0.663.300.011.113.250.0144
Money Market - $50k0.753.300.011.253.250.0150
High Rate Money Market - $50k1.453.900.032.473.500.25102
High Rate Money Market - $100k1.793.900.032.713.500.7092
Money Market - $100k0.983.300.011.423.500.0143
Money Market - $250k1.103.300.011.493.750.0139
High Rate Money Market - $250k2.023.900.052.763.750.8074
Money Market - $500k0.963.300.011.373.750.0541
High Rate Money Market - $500k   1.792.630.80 
High Rate Money Market - $1 million   2.123.400.80 
Money Market - $1 million1.043.300.011.503.820.0546
High Rate Savings1.704.200.022.815.121.00111
Regular Savings0.203.410.010.204.340.01-1
New Auto - 24 Mo7.4310.174.945.136.493.74-231
New Auto - 36 Mo7.109.532.655.247.993.74-186
New Auto - 48 Mo7.189.532.655.347.993.74-184
New Auto - 60 Mo7.249.622.655.477.993.50-177
New Auto - 72 Mo7.3210.022.655.777.993.74-154
New Auto - 84 Mo7.509.994.946.077.643.74-143
Used Auto - 24 Mo7.6110.624.945.476.993.74-214
Used Auto - 36 Mo7.5110.253.805.488.503.74-203
Used Auto - 48 Mo7.5610.255.395.598.503.74-197
Used Auto - 60 Mo7.509.753.805.728.503.74-179
Used Auto - 72 Mo7.3710.023.806.0513.003.74-131
Used Auto - 84 Mo7.418.994.946.187.993.74-122
Used Boat-60 Mo8.608.608.607.5210.742.50-108
New Boat-60 Mo8.1311.136.257.5714.002.50-56
Rewards Credit Card17.7824.9912.9913.2619.496.75-452
Credit Card Platinum16.7122.999.9912.0818.246.90-463
Credit Card Classic15.6220.2410.9912.2627.742.90-336
Home Equity - LOC 80%7.5211.055.756.908.501.99-62
Home Equity - 5 Yr 80%6.599.874.946.008.753.75-59
Home Equity - 10 Yr 80%6.959.865.046.389.244.75-57
Home Equity - 15 Yr 80%7.119.895.246.7710.045.50-34
7 Yr ARM6.4747.4405.6256.1857.0572.875-29
3 Yr ARM6.2526.9905.1256.2638.1254.6251
5 Yr ARM6.3577.9295.0006.1497.0433.142-21
15 Yr Fixed6.0727.2505.0005.9347.6255.000-14
20 Yr Fixed6.2386.9125.6266.2156.7385.500-2
30 Yr Fixed6.5638.0005.6006.3698.6255.000-19
15 Yr Fixed-Jumbo5.8295.7125.712 
20 Yr Fixed-Jumbo6.5216.4256.425 
7 Yr ARM-Jumbo6.4646.3926.392 
5 Yr ARM-Jumbo6.5916.5186.518 
30 Yr Fixed-Jumbo6.5306.4576.457 
Used Motorcycle-60 Mo   7.2411.242.00 
New Motorcycle-60 Mo   6.9211.242.00 
Used Motorhome-60 Mo7.747.747.747.6411.242.00-10
New Motorhome-60 Mo8.0211.135.907.6514.002.00-37
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.4816.256.7410.3917.746.49-109
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* Represents the difference in the average rate between banks and credit unions.