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 - $10k1.344.140.011.574.000.3023
6 Mo CD - $10k2.054.500.012.494.500.5043
9 Mo CD - $10k2.344.000.012.474.300.5012
1 Yr CD - $10k2.094.500.012.854.151.0076
18 Mo CD - $10k1.924.000.012.734.021.0081
2 Yr CD - $10k1.984.000.012.874.151.5189
30 Mo CD - $10k1.844.000.012.844.001.51100
3 Yr CD - $10k1.824.000.012.824.001.21100
4 Yr CD - $10k1.753.450.012.824.001.00106
5 Yr CD - $10k1.884.000.013.064.001.74118
3 Mo CD - $100k1.334.140.011.594.050.3027
6 Mo CD - $100k2.004.500.012.564.500.6057
9 Mo CD - $100k2.334.000.012.284.300.60-5
1 Yr CD - $100k2.114.500.012.894.151.1078
18 Mo CD - $100k1.954.000.012.744.051.1080
2 Yr CD - $100k1.984.000.012.924.151.5194
30 Mo CD - $100k1.864.000.012.844.051.5198
3 Yr CD - $100k1.874.000.012.884.051.21101
4 Yr CD - $100k1.763.460.012.804.051.00105
5 Yr CD - $100k1.864.000.013.104.051.74124
High Rate Checking0.030.050.014.505.004.00447
Basic Checking0.244.540.010.161.000.02-8
IRA - 1 Year - $10k1.984.500.012.684.751.0069
IRA - 1 Year - $100k2.113.250.102.014.800.10-10
IRA - Liquid - $10k0.743.690.010.782.750.014
IRA - Liquid - $100k0.631.850.010.301.250.10-33
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.522.500.011.133.250.0161
Money Market - $10k0.582.500.011.273.250.0569
High Rate Money Market - $10k0.370.760.052.333.250.50197
High Rate Money Market - $25k0.691.260.373.233.253.20255
Money Market - $25k0.744.500.011.343.250.1060
Money Market - $50k0.834.500.011.433.250.1060
High Rate Money Market - $50k0.731.520.373.253.253.25252
High Rate Money Market - $100k1.142.040.373.433.503.30230
Money Market - $100k1.034.500.011.583.500.1555
Money Market - $250k1.114.500.011.673.750.2057
High Rate Money Market - $250k1.202.040.373.633.753.40243
Money Market - $500k1.634.000.011.583.750.30-5
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.634.000.011.583.750.30-5
High Rate Savings0.030.040.021.401.401.40137
Regular Savings0.271.210.010.130.500.01-13
New Auto - 24 Mo6.378.115.385.278.993.99-110
New Auto - 36 Mo7.8311.504.965.158.993.95-268
New Auto - 48 Mo7.8511.504.965.218.993.95-264
New Auto - 60 Mo7.8611.504.965.287.253.95-258
New Auto - 72 Mo7.8611.504.965.527.253.95-234
New Auto - 84 Mo6.456.666.245.486.304.35-98
Used Auto - 24 Mo6.428.175.385.468.993.99-96
Used Auto - 36 Mo8.1911.755.385.528.993.95-267
Used Auto - 48 Mo8.1011.505.385.598.993.95-251
Used Auto - 60 Mo8.0011.505.385.617.853.95-240
Used Auto - 72 Mo8.089.755.895.817.853.95-228
Used Auto - 84 Mo6.456.666.245.666.304.35-79
Used Boat-60 Mo8.138.138.136.9110.194.99-122
New Boat-60 Mo8.5713.254.966.8210.184.94-175
Rewards Credit Card17.1123.4911.9514.2418.007.99-288
Credit Card Platinum16.0018.9910.9012.1517.498.45-385
Credit Card Classic16.6028.4911.4012.3117.258.50-430
Home Equity - LOC 80%8.1011.507.006.408.253.50-171
Home Equity - 5 Yr 80%8.1910.006.757.519.906.49-68
Home Equity - 10 Yr 80%7.3610.005.757.7612.906.4940
Home Equity - 15 Yr 80%7.3610.005.757.7313.006.4937
7 Yr ARM7.0228.5005.3756.6528.2505.000-37
3 Yr ARM7.2677.9826.5005.3295.6004.750-194
5 Yr ARM6.8518.0005.2506.6968.2505.350-16
15 Yr Fixed6.1386.8755.2506.3848.2505.37525
20 Yr Fixed6.4436.3486.3486.4886.7205.8444
30 Yr Fixed6.7548.2505.7506.6628.2505.750-9
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 Mo7.667.667.666.938.745.85-73
New Motorcycle-60 Mo7.667.667.666.658.745.40-101
Used Motorhome-60 Mo8.088.088.086.8910.194.99-119
New Motorhome-60 Mo8.5311.754.966.7610.184.84-177
Unsecured - 36 Mo10.6214.996.7411.3618.006.9974
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* Represents the difference in the average rate between banks and credit unions.