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 - $10k1.074.070.012.165.330.09108
6 Mo CD - $10k1.574.250.012.564.250.0599
9 Mo CD - $10k1.354.220.013.125.330.75177
1 Yr CD - $10k1.553.920.012.814.250.07125
18 Mo CD - $10k1.313.800.012.825.330.13151
2 Yr CD - $10k1.223.750.012.714.180.10149
30 Mo CD - $10k0.973.750.012.724.500.18175
3 Yr CD - $10k1.233.750.012.774.140.30154
4 Yr CD - $10k1.173.750.012.804.200.40164
5 Yr CD - $10k1.233.750.012.944.150.50171
3 Mo CD - $100k1.164.070.012.215.330.09105
6 Mo CD - $100k1.684.250.012.644.250.0595
9 Mo CD - $100k1.534.220.013.175.330.85164
1 Yr CD - $100k1.714.250.012.904.250.07119
18 Mo CD - $100k1.404.000.012.915.330.13151
2 Yr CD - $100k1.313.900.012.784.200.10146
30 Mo CD - $100k1.093.750.012.834.200.18174
3 Yr CD - $100k1.323.750.012.824.200.30150
4 Yr CD - $100k1.233.750.012.864.200.40163
5 Yr CD - $100k1.253.750.013.004.300.50176
High Rate Checking0.883.250.012.327.000.03144
Basic Checking0.102.500.000.224.070.0111
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.503.920.012.914.650.05141
IRA - 1 Year - $100k1.773.900.013.004.920.05123
IRA - Liquid - $10k0.120.850.010.534.340.0142
IRA - Liquid - $100k0.321.850.010.594.340.0126
High Rate Money Market - $2.5k0.370.750.050.521.250.0515
Money Market - $2.5k0.393.250.010.624.930.0123
Money Market - $10k0.484.000.010.683.510.0120
High Rate Money Market - $10k0.443.690.031.043.450.2559
High Rate Money Market - $25k0.503.690.031.203.690.2570
Money Market - $25k0.564.000.010.803.510.0124
Money Market - $50k0.654.000.010.913.510.0127
High Rate Money Market - $50k0.573.690.051.563.930.2598
High Rate Money Market - $100k0.853.690.052.073.930.50122
Money Market - $100k0.804.000.011.133.510.0133
Money Market - $250k0.854.000.011.243.930.0440
High Rate Money Market - $250k0.943.690.052.453.980.50151
Money Market - $500k1.524.000.101.213.510.05-31
High Rate Money Market - $500k1.792.630.752.984.001.95118
High Rate Money Market - $1 million1.882.631.003.084.002.15120
Money Market - $1 million1.544.000.101.263.820.05-28
High Rate Savings1.404.050.022.936.180.05154
Regular Savings0.374.400.010.216.000.01-16
New Auto - 24 Mo7.208.595.385.1813.252.99-202
New Auto - 36 Mo7.7710.204.745.2113.252.99-256
New Auto - 48 Mo7.7010.204.995.3813.252.99-232
New Auto - 60 Mo7.7510.205.385.4813.253.49-227
New Auto - 72 Mo8.0810.205.745.727.993.99-236
New Auto - 84 Mo7.758.596.386.027.994.49-174
Used Auto - 24 Mo7.308.785.385.4110.592.99-189
Used Auto - 36 Mo8.0311.955.245.4410.592.99-259
Used Auto - 48 Mo7.9811.955.385.6210.592.99-236
Used Auto - 60 Mo7.999.565.385.7210.593.49-227
Used Auto - 72 Mo8.279.566.245.9611.493.34-231
Used Auto - 84 Mo7.798.786.386.2812.194.49-152
Used Boat-60 Mo9.5211.017.508.0513.204.49-147
New Boat-60 Mo9.9311.506.998.1713.244.49-176
Rewards Credit Card17.6623.4911.9913.9022.407.90-376
Credit Card Platinum16.5119.7410.2412.2017.993.10-431
Credit Card Classic17.7128.2413.5013.5228.246.95-419
Home Equity - LOC 80%8.3811.245.997.369.504.99-103
Home Equity - 5 Yr 80%8.6610.617.907.379.494.92-129
Home Equity - 10 Yr 80%8.7010.617.407.6312.635.65-106
Home Equity - 15 Yr 80%8.9010.617.407.7412.633.33-115
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 Mo8.3410.196.497.8111.854.25-53
New Motorcycle-60 Mo8.3410.196.497.4811.254.25-86
Used Motorhome-60 Mo9.5211.017.507.8713.204.49-164
New Motorhome-60 Mo9.7211.507.237.9913.244.49-173
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.5315.716.7410.8018.006.99-73
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* Represents the difference in the average rate between banks and credit unions.