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 - $10k1.774.270.012.535.330.0576
6 Mo CD - $10k2.384.300.013.154.250.0577
9 Mo CD - $10k2.274.000.013.635.330.70137
1 Yr CD - $10k2.524.500.013.374.600.1085
18 Mo CD - $10k2.254.000.013.275.330.15102
2 Yr CD - $10k2.203.950.013.134.070.2093
30 Mo CD - $10k1.773.550.013.104.000.40133
3 Yr CD - $10k2.134.250.013.074.070.3094
4 Yr CD - $10k2.093.900.013.044.200.3596
5 Yr CD - $10k2.124.250.013.054.020.4093
3 Mo CD - $100k1.944.270.012.645.330.0571
6 Mo CD - $100k2.545.000.013.214.300.0567
9 Mo CD - $100k2.444.500.013.575.330.70113
1 Yr CD - $100k2.654.500.013.434.700.1078
18 Mo CD - $100k2.354.400.013.315.330.1595
2 Yr CD - $100k2.304.400.013.184.100.2088
30 Mo CD - $100k1.843.550.013.184.050.55134
3 Yr CD - $100k2.194.450.013.104.250.3091
4 Yr CD - $100k2.123.900.013.064.050.3594
5 Yr CD - $100k2.174.450.013.084.230.4091
High Rate Checking1.214.070.012.736.100.02152
Basic Checking0.273.000.000.225.120.01-5
HSA - $10k   0.300.300.30 
HSA - $25k   0.300.300.30 
IRA - 1 Year - $10k2.384.250.013.334.750.1095
IRA - 1 Year - $100k2.153.950.013.6410.650.10150
IRA - Liquid - $10k1.244.360.010.664.340.01-58
IRA - Liquid - $100k1.272.500.010.724.340.01-56
High Rate Money Market - $2.5k0.450.750.150.250.250.25-20
Money Market - $2.5k0.653.750.010.703.200.005
Money Market - $10k0.723.750.010.783.250.056
High Rate Money Market - $10k1.693.690.030.944.650.05-75
High Rate Money Market - $25k1.943.690.081.604.650.25-34
Money Market - $25k0.834.400.010.884.890.055
Money Market - $50k0.934.400.010.994.890.056
High Rate Money Market - $50k1.953.690.111.944.650.25-1
High Rate Money Market - $100k2.043.690.112.164.650.5012
Money Market - $100k1.154.400.011.134.890.05-2
Money Market - $250k1.284.500.011.184.890.05-9
High Rate Money Market - $250k2.143.690.112.394.650.5024
Money Market - $500k1.374.400.011.323.750.10-5
High Rate Money Market - $500k2.503.002.001.951.951.95-55
High Rate Money Market - $1 million2.633.252.002.152.152.15-48
Money Market - $1 million1.424.400.011.394.000.10-3
Youth/Student Savings   0.250.250.25 
High Rate Savings1.353.650.022.495.000.85115
Regular Savings0.434.000.010.234.340.00-20
New Auto - 24 Mo5.686.664.494.9513.252.99-73
New Auto - 36 Mo7.4514.003.755.0313.252.99-242
New Auto - 48 Mo7.5414.003.955.1413.253.24-240
New Auto - 60 Mo7.5914.003.955.2513.253.74-234
New Auto - 72 Mo7.5013.754.255.448.993.99-207
New Auto - 84 Mo5.816.664.495.799.003.99-2
Used Auto - 24 Mo6.057.844.495.1010.592.99-96
Used Auto - 36 Mo8.0815.004.505.2210.592.99-287
Used Auto - 48 Mo8.1015.004.505.3510.593.24-275
Used Auto - 60 Mo7.8614.004.755.4210.593.74-244
Used Auto - 72 Mo7.6313.754.755.5811.493.99-205
Used Auto - 84 Mo5.946.794.495.9412.193.990
Used Boat-60 Mo7.938.607.297.2912.603.99-63
New Boat-60 Mo8.2114.001.757.0811.853.99-113
Rewards Credit Card17.7623.9910.0014.1218.497.90-364
Credit Card Platinum15.6629.7410.2412.3218.993.00-335
Credit Card Classic15.9928.496.9012.8428.245.75-316
Home Equity - LOC 80%7.8810.056.637.3012.003.00-58
Home Equity - 5 Yr 80%7.8110.954.756.639.904.75-118
Home Equity - 10 Yr 80%7.9810.955.756.8412.905.25-113
Home Equity - 15 Yr 80%7.7510.616.137.0013.005.38-75
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 Mo7.608.146.497.0811.853.99-52
New Motorcycle-60 Mo7.608.146.496.9310.853.99-67
Used Motorhome-60 Mo7.838.127.507.1411.503.99-69
New Motorhome-60 Mo8.1614.001.757.0811.503.99-107
Unsecured - 36 Mo11.4417.956.7410.4016.246.00-105
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* Represents the difference in the average rate between banks and credit unions.