RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

Sort by Product  / State

New Mexico

National
Alabama
Alaska
American Soma
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 - $10k1.053.350.012.473.900.05142
6 Mo CD - $10k1.743.680.022.923.950.05118
9 Mo CD - $10k1.203.500.013.523.952.45231
1 Yr CD - $10k1.863.920.023.174.250.40131
18 Mo CD - $10k1.873.850.023.234.050.45135
2 Yr CD - $10k1.683.900.023.204.201.20152
30 Mo CD - $10k1.623.900.033.084.050.50146
3 Yr CD - $10k1.683.900.023.054.200.60137
4 Yr CD - $10k1.703.950.022.974.250.70127
5 Yr CD - $10k1.644.000.023.014.300.80137
3 Mo CD - $100k1.083.350.012.483.900.05141
6 Mo CD - $100k1.753.680.032.884.000.05113
9 Mo CD - $100k1.413.600.013.573.952.70216
1 Yr CD - $100k1.873.920.033.174.250.10130
18 Mo CD - $100k1.893.850.033.134.050.10124
2 Yr CD - $100k1.723.900.033.144.200.10142
30 Mo CD - $100k1.663.900.033.144.050.55148
3 Yr CD - $100k1.723.900.032.954.200.10123
4 Yr CD - $100k1.713.950.032.834.250.10112
5 Yr CD - $100k1.684.000.032.914.300.10124
High Rate Checking0.010.010.010.250.250.2524
Basic Checking0.181.000.010.110.500.01-7
IRA - 1 Year - $10k1.813.750.022.934.250.15113
IRA - 1 Year - $100k1.102.720.033.394.150.10229
IRA - Liquid - $10k0.362.500.010.695.300.0133
IRA - Liquid - $100k0.631.850.010.592.400.01-4
High Rate Money Market - $2.5k1.001.250.750.250.250.25-75
Money Market - $2.5k0.483.000.011.214.930.1074
Money Market - $10k0.543.000.011.102.020.1556
High Rate Money Market - $10k1.013.010.100.250.250.25-76
High Rate Money Market - $25k1.073.400.050.250.250.25-82
Money Market - $25k0.673.340.011.011.980.2533
Money Market - $50k0.713.340.011.112.200.3040
High Rate Money Market - $50k1.113.400.050.250.250.25-86
High Rate Money Market - $100k1.373.400.072.232.951.5086
Money Market - $100k0.853.340.011.202.700.4035
Money Market - $250k0.953.340.011.303.450.4035
High Rate Money Market - $250k1.733.400.072.252.951.5552
Money Market - $500k1.353.400.151.853.450.5550
High Rate Money Market - $500k2.002.002.001.751.751.75-25
High Rate Money Market - $1 million2.002.002.001.951.951.95-5
Money Market - $1 million1.413.400.151.963.900.5556
High Rate Savings1.203.500.04    
Regular Savings0.331.750.010.140.400.01-19
New Auto - 24 Mo7.058.595.445.147.753.89-191
New Auto - 36 Mo6.7910.004.744.907.753.89-189
New Auto - 48 Mo6.8510.004.905.056.993.90-180
New Auto - 60 Mo6.8910.005.305.196.993.90-170
New Auto - 72 Mo6.9610.005.505.346.994.25-162
New Auto - 84 Mo7.868.597.495.837.244.50-203
Used Auto - 24 Mo7.098.595.645.347.754.59-175
Used Auto - 36 Mo7.3310.004.745.118.993.99-222
Used Auto - 48 Mo7.3510.004.905.298.994.25-206
Used Auto - 60 Mo7.3010.005.305.428.994.25-188
Used Auto - 72 Mo7.259.605.505.496.994.25-176
Used Auto - 84 Mo7.868.597.495.987.245.00-189
Used Boat-60 Mo9.6510.019.297.989.006.75-167
New Boat-60 Mo7.4710.015.907.8010.034.9933
Rewards Credit Card16.7220.5011.8012.8617.996.99-385
Credit Card Platinum15.2417.4910.4912.0617.996.99-318
Credit Card Classic15.0119.499.6512.1718.008.49-284
Home Equity - LOC 80%7.499.524.997.037.634.99-46
Home Equity - 5 Yr 80%8.389.447.387.217.746.89-117
Home Equity - 10 Yr 80%8.199.527.357.177.996.75-102
Home Equity - 15 Yr 80%8.129.557.357.5010.495.50-62
7 Yr ARM6.5676.8266.2146.5267.2856.000-4
3 Yr ARM6.2146.6435.500 
5 Yr ARM6.9098.1535.8286.3126.7865.750-60
15 Yr Fixed6.2586.6205.3756.0866.8293.183-17
20 Yr Fixed6.7626.9266.3565.9216.8293.238-84
30 Yr Fixed6.7937.2116.0006.5487.1253.420-25
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo10.9310.9310.938.1810.056.75-275
New Motorcycle-60 Mo10.9310.9310.937.819.245.99-312
Used Motorhome-60 Mo9.7810.049.298.489.996.75-130
New Motorhome-60 Mo7.8510.045.907.9310.035.759
Unsecured - 36 Mo10.9314.756.7410.6416.248.74-29
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.