RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,733 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 - $10k1.434.000.012.225.330.1079
6 Mo CD - $10k2.084.260.012.974.500.1088
9 Mo CD - $10k2.354.230.013.685.331.30133
1 Yr CD - $10k2.234.500.013.164.250.1993
18 Mo CD - $10k2.164.250.013.055.330.2589
2 Yr CD - $10k2.113.750.012.894.200.5578
30 Mo CD - $10k1.674.000.012.984.001.00131
3 Yr CD - $10k2.023.650.012.764.000.9074
4 Yr CD - $10k1.993.600.012.844.200.8585
5 Yr CD - $10k2.033.750.012.864.000.9084
3 Mo CD - $100k1.534.000.012.335.330.1080
6 Mo CD - $100k2.164.260.012.944.500.1477
9 Mo CD - $100k2.384.220.013.655.331.30127
1 Yr CD - $100k2.304.500.013.164.250.2386
18 Mo CD - $100k2.244.250.013.055.330.2981
2 Yr CD - $100k2.153.750.012.914.200.6076
30 Mo CD - $100k1.564.000.012.964.051.00141
3 Yr CD - $100k2.033.750.012.784.050.9075
4 Yr CD - $100k1.993.600.012.834.050.9584
5 Yr CD - $100k2.053.750.012.904.051.0086
High Rate Checking0.542.020.013.386.250.35284
Basic Checking0.222.430.010.343.500.0113
IRA - 1 Year - $10k2.084.000.012.924.750.0585
IRA - 1 Year - $100k1.332.850.013.274.800.15194
IRA - Liquid - $10k0.984.420.010.894.590.01-9
IRA - Liquid - $100k0.320.700.010.814.590.0549
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.544.100.010.733.200.0120
Money Market - $10k0.604.100.010.833.200.0523
High Rate Money Market - $10k1.552.550.010.380.500.25-118
High Rate Money Market - $25k1.562.550.012.303.450.2573
Money Market - $25k0.734.100.010.923.200.0519
Money Market - $50k0.894.100.011.043.200.0515
High Rate Money Market - $50k1.743.410.012.323.450.2558
High Rate Money Market - $100k1.923.410.502.503.451.6058
Money Market - $100k1.144.100.011.273.200.1514
Money Market - $250k1.264.250.011.403.560.1515
High Rate Money Market - $250k1.943.410.502.563.451.6562
Money Market - $500k0.903.750.011.453.560.1556
High Rate Money Market - $500k   1.801.951.65 
High Rate Money Market - $1 million   1.902.151.65 
Money Market - $1 million0.913.750.011.633.820.1572
High Rate Savings0.522.020.022.163.500.10164
Regular Savings0.303.750.010.224.340.01-7
New Auto - 24 Mo5.807.084.944.986.853.89-81
New Auto - 36 Mo7.4510.005.005.147.503.49-231
New Auto - 48 Mo7.5010.005.005.237.503.90-227
New Auto - 60 Mo7.6010.255.385.297.503.90-231
New Auto - 72 Mo7.4910.505.295.477.503.90-202
New Auto - 84 Mo6.507.914.945.837.243.99-66
Used Auto - 24 Mo5.686.244.945.266.853.99-42
Used Auto - 36 Mo7.8912.005.005.397.503.49-250
Used Auto - 48 Mo7.9912.005.005.497.503.95-250
Used Auto - 60 Mo8.0712.005.385.557.503.95-252
Used Auto - 72 Mo7.8710.505.995.727.503.95-214
Used Auto - 84 Mo6.197.394.946.077.753.99-12
Used Boat-60 Mo9.309.998.607.8811.244.49-141
New Boat-60 Mo8.4911.754.257.1510.994.49-134
Rewards Credit Card17.0623.498.7512.8917.996.00-417
Credit Card Platinum16.0220.248.7511.5417.997.90-448
Credit Card Classic16.0729.249.9612.0416.747.90-403
Home Equity - LOC 80%7.8411.756.507.108.504.00-73
Home Equity - 5 Yr 80%7.299.035.886.949.905.50-34
Home Equity - 10 Yr 80%7.529.036.007.4312.906.24-8
Home Equity - 15 Yr 80%7.529.506.007.7313.006.6521
7 Yr ARM6.4606.7056.1916.0236.5905.247-44
3 Yr ARM5.9946.3905.597 
5 Yr ARM6.4196.5966.1545.8576.3314.995-56
15 Yr Fixed5.6735.9975.4335.4335.7545.125-24
20 Yr Fixed5.9416.4125.6265.9046.3755.500-4
30 Yr Fixed6.2457.1105.7255.9936.3755.740-25
15 Yr Fixed-Jumbo5.7125.7125.712 
20 Yr Fixed-Jumbo6.4256.4256.425 
7 Yr ARM-Jumbo6.3926.3926.392 
5 Yr ARM-Jumbo6.5186.5186.518 
30 Yr Fixed-Jumbo6.4576.4576.457 
Used Motorcycle-60 Mo6.196.196.197.3710.354.49118
New Motorcycle-60 Mo5.695.695.697.0310.354.49134
Used Motorhome-60 Mo8.879.997.747.8410.744.49-102
New Motorhome-60 Mo8.5411.754.257.2310.244.49-131
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.9017.006.7410.5314.756.75-37
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* Represents the difference in the average rate between banks and credit unions.