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 - $10k1.074.160.011.353.700.0328
6 Mo CD - $10k1.524.250.012.574.400.15105
9 Mo CD - $10k1.413.930.013.134.230.25172
1 Yr CD - $10k1.724.300.012.824.200.10110
18 Mo CD - $10k1.424.210.012.664.050.15124
2 Yr CD - $10k1.604.250.012.714.450.20111
30 Mo CD - $10k1.174.210.012.704.000.75153
3 Yr CD - $10k1.563.960.012.753.750.20119
4 Yr CD - $10k1.553.760.012.743.850.50119
5 Yr CD - $10k1.633.800.012.824.250.20120
3 Mo CD - $100k1.104.160.011.363.700.0326
6 Mo CD - $100k1.544.250.012.564.400.15102
9 Mo CD - $100k1.474.250.013.134.230.25166
1 Yr CD - $100k1.754.300.012.814.200.10105
18 Mo CD - $100k1.424.250.012.624.050.15120
2 Yr CD - $100k1.624.250.012.704.450.20109
30 Mo CD - $100k1.153.740.012.684.000.75153
3 Yr CD - $100k1.593.960.012.743.750.20114
4 Yr CD - $100k1.563.860.012.743.850.50118
5 Yr CD - $100k1.643.800.012.834.250.20118
High Rate Checking0.412.020.013.005.000.05259
Basic Checking0.090.500.010.233.000.0113
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.494.780.012.544.030.10105
IRA - 1 Year - $100k2.213.500.012.413.750.1020
IRA - Liquid - $10k0.363.650.010.624.340.0126
IRA - Liquid - $100k1.463.200.010.674.340.01-80
High Rate Money Market - $2.5k0.300.300.301.251.251.2595
Money Market - $2.5k0.393.930.010.753.930.0136
Money Market - $10k0.503.930.010.903.350.0140
High Rate Money Market - $10k1.403.900.010.881.250.50-53
High Rate Money Market - $25k1.523.900.012.383.201.2586
Money Market - $25k0.643.930.011.033.350.0139
Money Market - $50k0.783.930.011.193.350.0141
High Rate Money Market - $50k1.813.900.012.613.251.2580
High Rate Money Market - $100k2.103.900.012.743.301.7564
Money Market - $100k0.993.930.011.373.500.0138
Money Market - $250k1.093.930.011.563.750.0846
High Rate Money Market - $250k2.153.900.013.213.502.79105
Money Market - $500k0.744.000.011.463.750.2572
High Rate Money Market - $500k2.632.632.634.004.004.00137
High Rate Money Market - $1 million2.632.632.634.004.004.00137
Money Market - $1 million0.834.000.011.503.750.2567
High Rate Savings0.030.040.022.113.400.75209
Regular Savings0.110.750.010.164.340.015
New Auto - 24 Mo6.7610.173.995.297.393.99-148
New Auto - 36 Mo6.9910.003.995.417.493.99-158
New Auto - 48 Mo7.0510.253.995.477.493.99-158
New Auto - 60 Mo7.1410.753.995.547.493.99-160
New Auto - 72 Mo7.339.533.995.878.953.99-146
New Auto - 84 Mo6.418.593.995.867.254.49-55
Used Auto - 24 Mo6.8910.624.495.557.794.49-134
Used Auto - 36 Mo7.3310.254.495.678.993.99-166
Used Auto - 48 Mo7.3910.254.495.728.994.25-166
Used Auto - 60 Mo7.4510.754.495.778.994.25-168
Used Auto - 72 Mo7.579.774.496.079.254.49-150
Used Auto - 84 Mo6.258.594.496.087.754.49-16
Used Boat-60 Mo9.039.947.747.178.994.49-186
New Boat-60 Mo8.6812.755.997.6013.684.49-108
Rewards Credit Card17.4420.7412.0014.0518.008.90-338
Credit Card Platinum16.0518.746.9912.1917.497.90-386
Credit Card Classic17.0129.2410.5013.4419.909.00-357
Home Equity - LOC 80%7.8211.246.757.249.555.49-58
Home Equity - 5 Yr 80%7.5310.355.997.129.995.75-42
Home Equity - 10 Yr 80%7.9110.506.257.379.995.99-54
Home Equity - 15 Yr 80%8.0511.006.387.7010.495.99-35
7 Yr ARM6.8638.2505.3506.6127.1255.000-25
3 Yr ARM6.8327.6255.7306.4267.2834.750-41
5 Yr ARM6.8028.0005.2506.5427.0605.250-26
15 Yr Fixed6.1958.5405.2506.0147.0004.625-18
20 Yr Fixed6.4206.5245.9886.3436.7045.750-8
30 Yr Fixed6.6157.5003.5006.4917.2505.490-12
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 Mo9.5910.198.996.959.254.49-264
New Motorcycle-60 Mo9.0910.197.996.679.184.49-242
Used Motorhome-60 Mo8.829.947.747.248.994.49-158
New Motorhome-60 Mo8.6212.755.997.6113.684.49-101
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.9518.996.2410.7917.906.99-116
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* Represents the difference in the average rate between banks and credit unions.