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 - $10k1.594.150.012.205.000.0561
6 Mo CD - $10k2.314.650.052.965.000.1565
9 Mo CD - $10k2.344.560.012.984.250.2564
1 Yr CD - $10k2.364.240.042.904.120.5054
18 Mo CD - $10k2.213.750.052.934.150.5072
2 Yr CD - $10k2.333.700.052.723.901.0039
30 Mo CD - $10k2.133.650.052.653.551.2552
3 Yr CD - $10k2.273.800.082.733.951.3546
4 Yr CD - $10k2.313.900.102.724.201.1941
5 Yr CD - $10k2.313.960.102.793.801.0548
3 Mo CD - $100k1.594.090.012.355.000.1577
6 Mo CD - $100k2.324.650.052.975.000.2065
9 Mo CD - $100k2.374.560.013.014.350.2563
1 Yr CD - $100k2.394.240.042.924.200.5053
18 Mo CD - $100k2.275.050.052.934.250.5066
2 Yr CD - $100k2.383.700.052.744.001.0035
30 Mo CD - $100k2.173.650.052.613.551.2544
3 Yr CD - $100k2.333.800.082.763.951.3543
4 Yr CD - $100k2.333.900.102.663.551.2433
5 Yr CD - $100k2.353.960.102.803.801.0545
High Rate Checking1.743.450.022.704.500.1097
Basic Checking0.281.390.010.100.500.01-17
IRA - 1 Year - $10k2.114.630.012.924.121.0081
IRA - 1 Year - $100k2.484.001.003.383.902.3790
IRA - Liquid - $10k1.444.500.010.644.340.05-80
IRA - Liquid - $100k1.012.000.011.074.340.056
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.653.450.010.411.500.05-24
Money Market - $10k0.773.450.010.583.000.05-18
High Rate Money Market - $10k0.792.960.081.151.930.2535
High Rate Money Market - $25k0.952.960.101.492.130.2554
Money Market - $25k0.893.450.010.713.000.05-18
Money Market - $50k1.093.450.010.843.100.05-25
High Rate Money Market - $50k1.012.960.101.492.130.2548
High Rate Money Market - $100k1.282.960.102.002.331.6071
Money Market - $100k1.413.590.010.943.200.10-47
Money Market - $250k1.573.590.011.043.300.10-53
High Rate Money Market - $250k1.522.960.102.162.331.7564
Money Market - $500k1.924.000.011.363.400.15-56
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million1.924.000.011.373.500.15-55
High Rate Savings1.843.650.022.602.702.5077
Regular Savings0.463.410.010.314.340.01-15
New Auto - 24 Mo6.888.595.385.237.193.89-165
New Auto - 36 Mo7.5511.254.495.357.193.89-220
New Auto - 48 Mo7.5911.254.495.437.254.00-216
New Auto - 60 Mo7.7311.254.495.517.504.00-222
New Auto - 72 Mo7.8210.304.495.857.994.00-197
New Auto - 84 Mo7.638.596.666.318.944.49-132
Used Auto - 24 Mo6.888.595.385.767.194.49-112
Used Auto - 36 Mo7.7911.504.495.808.004.00-199
Used Auto - 48 Mo7.8411.504.495.908.004.00-194
Used Auto - 60 Mo7.9711.754.495.968.004.00-201
Used Auto - 72 Mo8.119.755.756.288.004.00-183
Used Auto - 84 Mo7.638.596.666.298.494.49-133
Used Boat-60 Mo8.719.298.137.7311.244.49-98
New Boat-60 Mo8.1011.005.757.5711.244.49-52
Rewards Credit Card17.6523.9914.2413.7718.248.90-389
Credit Card Platinum17.0118.9913.7414.0317.998.99-298
Credit Card Classic15.1119.5010.2414.0420.509.99-107
Home Equity - LOC 80%8.049.256.256.929.504.49-112
Home Equity - 5 Yr 80%7.5011.754.506.267.503.99-124
Home Equity - 10 Yr 80%7.989.586.257.328.506.50-66
Home Equity - 15 Yr 80%8.1810.116.257.769.006.99-42
7 Yr ARM6.6807.0895.6256.0706.6135.650-61
3 Yr ARM7.5677.6006.7505.8986.2375.597-167
5 Yr ARM7.1667.7505.5005.8166.4875.240-135
15 Yr Fixed6.3037.2755.2505.7686.8752.600-54
20 Yr Fixed6.0825.9885.9885.5366.2902.875-55
30 Yr Fixed6.6937.6255.5006.4377.7603.500-26
Used Motorcycle-60 Mo7.667.667.667.2910.054.49-37
New Motorcycle-60 Mo7.667.667.666.428.744.49-124
Used Motorhome-60 Mo8.699.298.087.6710.504.49-102
New Motorhome-60 Mo8.1811.005.757.5210.504.49-66
Unsecured - 36 Mo11.5318.006.7411.0315.996.99-50
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* Represents the difference in the average rate between banks and credit unions.