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 12/8/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.255.500.011.235.330.09-2
6 Mo CD - $10k1.814.070.012.044.790.1523
9 Mo CD - $10k1.765.500.012.895.330.60112
1 Yr CD - $10k1.683.980.012.454.300.2577
18 Mo CD - $10k1.315.500.012.385.330.30107
2 Yr CD - $10k1.203.750.012.133.990.1093
30 Mo CD - $10k1.005.500.012.634.000.50164
3 Yr CD - $10k1.315.500.012.073.870.1077
4 Yr CD - $10k1.335.500.012.094.200.1076
5 Yr CD - $10k1.235.500.012.353.870.50113
3 Mo CD - $100k1.355.500.011.255.330.09-10
6 Mo CD - $100k1.824.070.012.014.750.1520
9 Mo CD - $100k1.765.500.012.895.330.60112
1 Yr CD - $100k1.723.980.012.434.240.2571
18 Mo CD - $100k1.495.500.012.345.330.3085
2 Yr CD - $100k1.273.750.012.103.930.1083
30 Mo CD - $100k1.025.500.012.634.000.50161
3 Yr CD - $100k1.375.500.012.053.870.1068
4 Yr CD - $100k1.375.500.012.023.870.1065
5 Yr CD - $100k1.325.500.012.333.870.50100
High Rate Checking0.040.100.012.754.001.50272
Basic Checking0.081.980.010.111.250.012
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.493.930.012.364.180.2587
IRA - 1 Year - $100k2.083.900.013.414.181.80133
IRA - Liquid - $10k0.242.000.010.443.750.0120
IRA - Liquid - $100k1.342.000.010.552.530.01-79
High Rate Money Market - $2.5k   0.751.250.25 
Money Market - $2.5k0.373.200.010.381.950.011
Money Market - $10k0.483.200.010.491.950.011
High Rate Money Market - $10k0.852.960.020.441.250.05-40
High Rate Money Market - $25k0.852.960.020.371.250.05-47
Money Market - $25k0.573.200.010.641.950.018
Money Market - $50k0.653.200.010.812.020.0115
High Rate Money Market - $50k0.902.960.020.521.250.05-38
High Rate Money Market - $100k0.972.960.020.991.750.053
Money Market - $100k0.853.680.011.103.250.0125
Money Market - $250k0.953.680.011.273.250.0532
High Rate Money Market - $250k1.172.960.051.483.500.0531
Money Market - $500k0.863.000.031.493.250.0563
High Rate Money Market - $500k   2.984.001.95 
High Rate Money Market - $1 million   3.084.002.15 
Money Market - $1 million0.953.000.031.493.250.0554
High Rate Savings1.193.650.02    
Regular Savings0.193.350.010.193.440.010
New Auto - 24 Mo6.408.995.444.895.993.89-151
New Auto - 36 Mo7.389.994.995.216.243.89-217
New Auto - 48 Mo7.489.995.005.296.243.99-219
New Auto - 60 Mo7.6310.245.445.386.254.24-225
New Auto - 72 Mo7.5810.025.895.797.244.49-179
New Auto - 84 Mo6.838.995.996.187.504.99-65
Used Auto - 24 Mo6.528.995.645.166.494.49-136
Used Auto - 36 Mo8.0011.005.005.456.753.99-255
Used Auto - 48 Mo8.0311.245.005.536.754.74-249
Used Auto - 60 Mo7.619.625.645.626.754.75-198
Used Auto - 72 Mo7.8710.025.996.037.244.94-185
Used Auto - 84 Mo6.938.995.996.497.505.35-44
Used Boat-60 Mo7.999.995.997.009.005.49-99
New Boat-60 Mo8.7612.007.757.4610.105.49-130
Rewards Credit Card17.8120.7414.9915.0818.249.00-273
Credit Card Platinum18.0729.7413.7414.0518.008.50-402
Credit Card Classic17.1520.9913.9912.9617.748.95-419
Home Equity - LOC 80%7.5510.746.507.038.254.50-52
Home Equity - 5 Yr 80%6.7310.375.006.127.505.00-61
Home Equity - 10 Yr 80%7.0410.366.006.477.655.25-56
Home Equity - 15 Yr 80%7.1510.396.386.888.995.50-28
7 Yr ARM6.1217.4405.5005.8067.2505.000-31
3 Yr ARM5.9536.1255.6256.0596.9825.37511
5 Yr ARM5.8957.4465.2505.7127.0434.875-18
15 Yr Fixed5.7646.6254.7505.7186.4505.125-5
20 Yr Fixed6.2956.8195.5476.1806.5405.600-12
30 Yr Fixed6.2487.0005.2506.2067.1685.614-4
15 Yr Fixed-Jumbo5.7125.5955.595 
20 Yr Fixed-Jumbo6.4506.3556.355 
7 Yr ARM-Jumbo6.4536.3816.381 
5 Yr ARM-Jumbo6.5506.4776.477 
30 Yr Fixed-Jumbo6.4256.3536.353 
Used Motorcycle-60 Mo6.847.496.197.0710.055.4923
New Motorcycle-60 Mo6.597.495.697.3312.005.4974
Used Motorhome-60 Mo8.129.996.247.1910.495.49-92
New Motorhome-60 Mo9.1013.008.247.7210.495.49-138
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo12.2618.006.7410.1914.997.99-207
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* Represents the difference in the average rate between banks and credit unions.