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 - $10k1.784.270.012.535.330.0575
6 Mo CD - $10k2.394.350.013.154.250.0577
9 Mo CD - $10k2.274.000.013.655.330.70138
1 Yr CD - $10k2.525.000.013.374.600.1084
18 Mo CD - $10k2.264.000.013.275.330.15101
2 Yr CD - $10k2.193.950.013.134.070.2093
30 Mo CD - $10k1.783.550.013.104.000.40132
3 Yr CD - $10k2.124.250.013.074.070.3095
4 Yr CD - $10k2.083.900.013.044.200.3596
5 Yr CD - $10k2.134.250.013.054.020.4092
3 Mo CD - $100k1.944.270.012.635.330.0569
6 Mo CD - $100k2.545.000.013.214.300.0566
9 Mo CD - $100k2.444.500.013.575.330.70113
1 Yr CD - $100k2.665.000.013.434.700.1077
18 Mo CD - $100k2.364.400.013.305.330.1594
2 Yr CD - $100k2.304.400.013.174.100.2087
30 Mo CD - $100k1.833.550.013.184.050.55135
3 Yr CD - $100k2.194.450.013.104.250.3091
4 Yr CD - $100k2.133.900.013.064.050.3593
5 Yr CD - $100k2.184.450.013.084.230.4091
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 - $10k2.394.250.013.334.750.1094
IRA - 1 Year - $100k2.153.950.013.6410.650.10150
IRA - Liquid - $10k1.244.360.010.664.340.01-58
IRA - Liquid - $100k1.272.500.010.714.340.01-56
High Rate Money Market - $2.5k0.450.750.150.250.250.25-20
Money Market - $2.5k0.643.750.010.703.200.005
Money Market - $10k0.723.750.010.783.500.056
High Rate Money Market - $10k1.683.690.030.944.650.05-75
High Rate Money Market - $25k1.943.690.081.604.650.25-34
Money Market - $25k0.834.400.010.884.890.055
Money Market - $50k0.924.400.010.994.890.057
High Rate Money Market - $50k1.943.690.111.944.650.250
High Rate Money Market - $100k2.043.690.112.164.650.5012
Money Market - $100k1.154.400.011.134.890.05-1
Money Market - $250k1.284.500.011.184.890.05-9
High Rate Money Market - $250k2.143.690.112.394.650.5024
Money Market - $500k1.374.400.011.324.000.10-5
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 million1.424.400.011.394.000.10-2
Youth/Student Savings   0.250.250.25 
High Rate Savings1.353.650.022.495.000.85115
Regular Savings0.434.350.010.234.340.00-20
New Auto - 24 Mo5.686.664.494.9613.252.99-72
New Auto - 36 Mo7.4214.003.755.0213.252.99-240
New Auto - 48 Mo7.5014.003.955.1413.253.24-236
New Auto - 60 Mo7.5814.003.955.2513.253.74-233
New Auto - 72 Mo7.4913.754.255.438.993.99-206
New Auto - 84 Mo5.816.664.495.799.003.99-2
Used Auto - 24 Mo6.057.844.495.1010.592.99-95
Used Auto - 36 Mo8.0515.004.505.2210.592.99-283
Used Auto - 48 Mo8.0915.004.505.3510.593.24-274
Used Auto - 60 Mo7.8514.004.755.4210.593.74-243
Used Auto - 72 Mo7.6313.754.755.5711.493.99-206
Used Auto - 84 Mo5.946.794.495.9312.193.99-1
Used Boat-60 Mo7.938.607.297.2912.603.99-63
New Boat-60 Mo8.2214.001.757.0811.853.99-114
Rewards Credit Card17.7523.9910.0014.1218.497.90-363
Credit Card Platinum15.6529.7410.2412.3218.993.00-333
Credit Card Classic16.0128.496.9012.8428.245.75-317
Home Equity - LOC 80%7.8810.056.637.2612.003.00-62
Home Equity - 5 Yr 80%7.8110.954.756.629.904.74-119
Home Equity - 10 Yr 80%7.9810.955.756.8412.905.25-114
Home Equity - 15 Yr 80%7.7510.616.136.9913.005.38-76
7 Yr ARM6.7878.0003.7506.1597.4535.000-63
3 Yr ARM7.0369.4905.4006.2908.0004.750-75
5 Yr ARM7.0259.9904.5006.1027.0435.000-92
15 Yr Fixed6.35211.5005.1256.0167.5002.210-34
20 Yr Fixed6.0896.4125.6266.1747.8802.6928
30 Yr Fixed6.7028.0005.6256.3978.0002.672-30
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 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 Mo8.1514.001.757.0811.503.99-107
Unsecured - 36 Mo11.4517.956.7410.4016.246.00-105
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* Represents the difference in the average rate between banks and credit unions.