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.

Sort by Product  / State

New Mexico

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 - $10k1.133.850.012.674.000.15154
6 Mo CD - $10k1.884.090.023.104.100.45122
9 Mo CD - $10k1.224.090.013.444.102.45223
1 Yr CD - $10k1.813.990.023.284.250.40147
18 Mo CD - $10k1.793.550.023.314.000.45152
2 Yr CD - $10k1.633.500.023.084.150.50145
30 Mo CD - $10k1.423.250.033.244.150.50182
3 Yr CD - $10k1.623.400.023.044.050.60143
4 Yr CD - $10k1.613.750.022.964.200.70135
5 Yr CD - $10k1.533.500.023.014.100.80148
3 Mo CD - $100k1.173.850.012.694.000.15152
6 Mo CD - $100k1.924.100.033.144.100.50122
9 Mo CD - $100k1.594.450.013.524.102.70193
1 Yr CD - $100k1.873.990.033.384.250.45151
18 Mo CD - $100k1.763.550.033.334.000.45157
2 Yr CD - $100k1.663.500.033.124.150.55146
30 Mo CD - $100k1.433.250.033.304.150.55187
3 Yr CD - $100k1.653.400.033.044.050.70138
4 Yr CD - $100k1.623.750.032.944.050.80132
5 Yr CD - $100k1.573.500.033.044.100.90147
High Rate Checking0.010.010.010.250.250.2524
Basic Checking0.201.810.010.110.500.01-9
IRA - 1 Year - $10k1.673.990.013.274.250.40160
IRA - 1 Year - $100k1.642.750.103.804.053.45216
IRA - Liquid - $10k0.362.500.010.685.300.0132
IRA - Liquid - $100k0.631.850.010.702.450.017
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.563.100.011.214.930.1066
Money Market - $10k0.613.100.011.082.020.1547
High Rate Money Market - $10k1.393.690.100.250.250.25-114
High Rate Money Market - $25k1.523.690.100.250.250.25-127
Money Market - $25k0.673.100.011.011.980.2533
Money Market - $50k0.733.100.011.112.050.3037
High Rate Money Market - $50k1.643.690.100.250.250.25-139
High Rate Money Market - $100k1.843.690.452.282.951.6043
Money Market - $100k0.883.200.011.182.750.4030
Money Market - $250k1.013.200.011.233.500.4022
High Rate Money Market - $250k2.293.690.952.352.951.756
Money Market - $500k1.533.750.151.983.500.5545
High Rate Money Market - $500k2.002.002.001.951.951.95-5
High Rate Money Market - $1 million2.002.002.002.152.152.1515
Money Market - $1 million1.593.750.152.113.950.5552
High Rate Savings1.023.000.02    
Regular Savings0.351.800.010.171.000.01-19
New Auto - 24 Mo6.668.595.385.357.753.89-131
New Auto - 36 Mo6.9011.004.995.087.753.89-182
New Auto - 48 Mo7.0011.005.155.216.993.90-180
New Auto - 60 Mo7.0211.005.385.366.993.90-166
New Auto - 72 Mo7.2011.005.745.546.993.99-166
New Auto - 84 Mo7.928.597.246.026.695.00-190
Used Auto - 24 Mo6.718.595.385.577.754.79-114
Used Auto - 36 Mo7.3210.754.995.388.993.99-194
Used Auto - 48 Mo7.3510.755.155.528.993.99-183
Used Auto - 60 Mo7.1910.755.385.688.993.99-151
Used Auto - 72 Mo7.259.605.755.808.493.99-145
Used Auto - 84 Mo7.928.597.246.116.745.00-181
Used Boat-60 Mo9.629.949.298.289.596.99-134
New Boat-60 Mo7.7311.505.907.8710.034.9914
Rewards Credit Card16.8920.5011.9013.0517.996.99-383
Credit Card Platinum15.9919.2410.4912.7218.006.99-327
Credit Card Classic15.3319.9911.7411.9418.008.49-339
Home Equity - LOC 80%7.649.275.997.357.755.99-29
Home Equity - 5 Yr 80%8.138.996.887.197.746.55-94
Home Equity - 10 Yr 80%8.039.126.887.128.636.50-91
Home Equity - 15 Yr 80%8.239.157.137.319.005.50-92
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 Mo10.1910.1910.198.2110.056.99-198
New Motorcycle-60 Mo10.1910.1910.197.829.246.25-237
Used Motorhome-60 Mo9.629.949.298.459.996.99-117
New Motorhome-60 Mo8.1111.505.907.9510.035.75-17
Unsecured - 36 Mo10.9314.756.7410.5916.248.74-34
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.