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 - $10k2.123.840.010.311.450.10-182
6 Mo CD - $10k1.914.000.012.664.000.1575
9 Mo CD - $10k2.493.880.013.254.002.7575
1 Yr CD - $10k1.833.650.013.153.850.50132
18 Mo CD - $10k1.483.540.012.943.750.55146
2 Yr CD - $10k1.703.500.012.823.550.65112
30 Mo CD - $10k1.032.960.012.703.680.40167
3 Yr CD - $10k1.303.200.012.523.700.45122
4 Yr CD - $10k1.403.300.012.354.200.5595
5 Yr CD - $10k1.333.440.012.353.500.65102
3 Mo CD - $100k1.833.840.010.331.500.10-151
6 Mo CD - $100k1.754.000.012.674.000.1592
9 Mo CD - $100k2.313.880.013.254.002.7594
1 Yr CD - $100k1.713.650.013.163.900.60145
18 Mo CD - $100k1.745.050.012.963.800.65122
2 Yr CD - $100k1.703.500.012.833.600.75114
30 Mo CD - $100k1.032.960.012.633.680.40160
3 Yr CD - $100k1.303.200.012.533.750.45124
4 Yr CD - $100k1.483.300.012.243.500.5576
5 Yr CD - $100k1.393.440.012.363.550.6597
High Rate Checking0.020.020.011.753.000.25174
Basic Checking0.262.720.010.080.300.01-18
IRA - 1 Year - $10k1.673.650.013.174.000.50150
IRA - 1 Year - $100k1.673.000.013.634.003.00196
IRA - Liquid - $10k0.452.000.010.180.350.05-27
IRA - Liquid - $100k2.002.002.000.190.350.05-181
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.151.000.010.481.490.0533
Money Market - $10k0.271.400.011.702.750.05143
High Rate Money Market - $10k0.622.960.021.262.530.2564
High Rate Money Market - $25k1.022.960.021.392.530.2538
Money Market - $25k0.341.600.011.702.750.10136
Money Market - $50k0.431.800.011.812.750.15138
High Rate Money Market - $50k1.373.200.021.752.530.2538
High Rate Money Market - $100k1.683.200.022.302.761.6062
Money Market - $100k0.552.280.011.892.750.25134
Money Market - $250k0.582.500.011.962.750.25139
High Rate Money Market - $250k2.243.590.252.433.001.7519
Money Market - $500k0.150.350.031.412.750.25126
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million0.361.200.031.783.750.25143
High Rate Savings0.030.040.022.002.002.00197
Regular Savings0.213.300.010.120.350.05-10
New Auto - 24 Mo7.228.995.445.055.993.89-217
New Auto - 36 Mo7.668.995.445.286.243.89-237
New Auto - 48 Mo7.718.995.445.326.244.29-239
New Auto - 60 Mo7.758.995.445.346.244.29-241
New Auto - 72 Mo7.858.996.755.717.254.59-215
New Auto - 84 Mo8.998.998.996.377.155.49-262
Used Auto - 24 Mo7.328.995.645.516.744.79-181
Used Auto - 36 Mo7.898.995.645.627.004.79-227
Used Auto - 48 Mo7.888.995.645.687.004.79-220
Used Auto - 60 Mo7.948.995.645.606.744.85-234
Used Auto - 72 Mo7.978.507.445.916.995.25-206
Used Auto - 84 Mo8.998.998.996.627.156.09-237
Used Boat-60 Mo   8.5711.245.50 
New Boat-60 Mo9.1210.258.258.7710.496.50-35
Rewards Credit Card18.0218.9916.7414.9919.241.25-303
Credit Card Platinum16.9618.4912.7414.4917.496.99-247
Credit Card Classic17.6920.2414.7412.9416.9910.25-475
Home Equity - LOC 80%7.519.556.506.397.505.99-112
Home Equity - 5 Yr 80%7.107.886.507.047.346.49-6
Home Equity - 10 Yr 80%7.368.256.757.247.656.49-12
Home Equity - 15 Yr 80%7.407.757.127.397.956.49-1
7 Yr ARM6.0806.6925.3756.0636.1465.850-2
3 Yr ARM5.9036.0005.6255.6345.6005.500-27
5 Yr ARM5.9176.5075.2505.9336.5005.3502
15 Yr Fixed5.8176.1255.3755.9107.0005.1919
20 Yr Fixed6.3076.3485.9886.3406.1876.1133
30 Yr Fixed6.2776.6255.8756.4076.8755.61413
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   7.5310.056.24 
New Motorcycle-60 Mo   6.727.955.40 
Used Motorhome-60 Mo   7.329.845.34 
New Motorhome-60 Mo9.009.008.998.489.756.49-51
Student Loan-10 Year5.855.855.854.254.254.25-160
Unsecured - 36 Mo11.8915.657.9911.0815.758.74-81
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* Represents the difference in the average rate between banks and credit unions.