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.

Sort by Product  / State

Hawaii

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.963.510.012.315.330.25135
6 Mo CD - $10k0.693.250.012.674.150.15198
9 Mo CD - $10k0.342.050.013.025.331.50268
1 Yr CD - $10k1.073.200.012.854.000.20179
18 Mo CD - $10k0.893.150.013.025.331.00213
2 Yr CD - $10k0.783.000.012.673.700.25190
30 Mo CD - $10k0.090.250.012.602.892.00251
3 Yr CD - $10k0.793.000.012.633.700.25184
4 Yr CD - $10k0.863.000.012.834.200.30197
5 Yr CD - $10k0.833.000.012.683.700.65185
3 Mo CD - $100k0.983.510.012.565.330.25158
6 Mo CD - $100k0.713.250.012.754.150.15203
9 Mo CD - $100k0.362.150.013.035.331.50267
1 Yr CD - $100k1.093.200.012.904.050.20181
18 Mo CD - $100k0.903.150.013.045.331.00214
2 Yr CD - $100k0.793.000.012.683.890.25189
30 Mo CD - $100k0.110.250.012.602.892.00249
3 Yr CD - $100k0.813.000.012.633.890.25182
4 Yr CD - $100k0.883.000.012.853.890.30197
5 Yr CD - $100k0.853.000.012.703.890.65184
High Rate Checking0.010.010.013.435.000.02342
Basic Checking0.060.200.010.060.400.01-1
IRA - 1 Year - $10k1.273.200.012.604.000.20133
IRA - 1 Year - $100k1.093.000.012.884.050.20179
IRA - Liquid - $10k0.020.030.010.663.830.0563
IRA - Liquid - $100k   0.341.870.05 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.190.450.020.343.100.0514
Money Market - $10k0.190.450.020.413.100.0522
High Rate Money Market - $10k   0.310.500.05 
High Rate Money Market - $25k   0.811.500.05 
Money Market - $25k0.230.600.020.553.200.0532
Money Market - $50k0.340.950.020.953.200.0561
High Rate Money Market - $50k   1.372.000.25 
High Rate Money Market - $100k   2.182.501.60 
Money Market - $100k0.401.160.031.293.200.1589
Money Market - $250k0.461.360.031.393.200.1593
High Rate Money Market - $250k   2.713.501.75 
Money Market - $500k0.250.350.151.483.500.15123
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million0.250.350.151.513.500.15126
High Rate Savings0.030.040.021.212.700.05118
Regular Savings0.464.400.010.193.300.03-27
New Auto - 24 Mo5.916.385.445.026.993.89-88
New Auto - 36 Mo6.767.735.445.068.493.89-170
New Auto - 48 Mo7.017.755.445.538.494.25-148
New Auto - 60 Mo6.858.005.445.709.494.25-116
New Auto - 72 Mo7.448.506.386.009.494.25-144
New Auto - 84 Mo6.386.386.386.578.155.4920
Used Auto - 24 Mo6.016.385.645.526.994.49-49
Used Auto - 36 Mo7.258.755.645.598.494.49-166
Used Auto - 48 Mo7.099.255.645.968.494.49-113
Used Auto - 60 Mo7.179.505.646.139.494.49-104
Used Auto - 72 Mo6.386.386.386.429.494.505
Used Auto - 84 Mo6.386.386.386.978.505.4960
Used Boat-60 Mo   7.759.756.24 
New Boat-60 Mo   7.899.756.24 
Rewards Credit Card18.3720.2416.7513.1718.006.99-519
Credit Card Platinum17.3420.2414.7412.0917.997.00-525
Credit Card Classic17.8720.2414.7413.0228.247.99-485
Home Equity - LOC 80%8.609.897.007.158.500.25-145
Home Equity - 5 Yr 80%7.257.257.256.9010.505.25-35
Home Equity - 10 Yr 80%8.258.258.257.1510.505.25-110
Home Equity - 15 Yr 80%9.009.009.007.0110.875.25-199
7 Yr ARM5.6066.3885.0005.6876.8975.1068
3 Yr ARM4.9124.7504.7505.6665.5975.59775
5 Yr ARM5.6656.5074.7505.5326.2294.979-13
15 Yr Fixed5.4866.2504.8755.8658.7214.87738
20 Yr Fixed6.4436.3486.3486.2937.5885.200-15
30 Yr Fixed6.0896.8755.6256.2738.5005.37518
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 Mo   7.6810.055.49 
New Motorcycle-60 Mo   7.149.755.24 
Used Motorhome-60 Mo   7.829.756.24 
New Motorhome-60 Mo   7.939.756.24 
Unsecured - 36 Mo9.8311.008.508.4413.995.00-139
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2025 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.