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 - $10k1.554.380.012.715.330.05116
6 Mo CD - $10k2.214.500.013.084.230.1087
9 Mo CD - $10k2.244.430.013.575.332.75134
1 Yr CD - $10k2.374.180.013.414.310.15104
18 Mo CD - $10k2.234.050.013.215.330.1598
2 Yr CD - $10k2.193.900.013.164.000.2096
30 Mo CD - $10k2.093.750.012.973.671.5588
3 Yr CD - $10k2.163.750.013.093.900.2593
4 Yr CD - $10k2.183.850.013.074.350.3088
5 Yr CD - $10k2.233.900.013.113.950.3588
3 Mo CD - $100k1.604.380.012.785.330.05118
6 Mo CD - $100k2.244.500.013.104.250.1086
9 Mo CD - $100k2.284.430.013.585.332.75129
1 Yr CD - $100k2.374.180.013.394.310.05102
18 Mo CD - $100k2.244.050.013.195.330.1595
2 Yr CD - $100k2.223.900.013.184.050.2096
30 Mo CD - $100k2.113.750.013.033.721.5592
3 Yr CD - $100k2.203.940.013.123.950.2591
4 Yr CD - $100k2.193.850.013.044.400.3085
5 Yr CD - $100k2.264.040.013.114.000.3585
High Rate Checking0.050.150.013.565.050.30351
Basic Checking0.181.980.010.664.250.0148
HSA - $1k0.010.010.010.200.200.2019
HSA - $10k1.451.451.450.500.500.50-95
HSA - $25k   1.011.011.01 
IRA - 1 Year - $10k2.324.180.013.394.310.15107
IRA - 1 Year - $100k1.813.410.013.424.001.35161
IRA - Liquid - $10k1.075.000.010.704.340.01-38
IRA - Liquid - $100k1.503.490.011.195.090.05-31
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.523.330.010.872.400.0536
Money Market - $10k0.623.330.011.073.250.0545
High Rate Money Market - $10k0.903.440.011.003.250.2510
High Rate Money Market - $25k1.313.450.012.293.250.2598
Money Market - $25k0.733.330.011.253.250.0552
Money Market - $50k0.853.330.011.433.370.0558
High Rate Money Market - $50k1.483.450.012.403.250.2591
High Rate Money Market - $100k1.963.450.012.683.301.6072
Money Market - $100k1.053.500.011.673.870.1061
Money Market - $250k1.223.750.011.794.070.1057
High Rate Money Market - $250k2.013.540.012.833.401.7582
Money Market - $500k1.194.000.011.913.250.1572
High Rate Money Market - $500k2.322.632.001.951.951.95-37
High Rate Money Market - $1 million2.322.632.002.152.152.15-17
Money Market - $1 million1.214.000.011.923.250.1571
High Rate Savings0.050.100.022.385.000.05233
Regular Savings0.262.000.010.254.340.01-1
New Auto - 24 Mo6.648.594.994.735.893.89-191
New Auto - 36 Mo7.1511.003.505.047.753.89-211
New Auto - 48 Mo7.2312.003.635.158.253.99-208
New Auto - 60 Mo7.2912.253.755.218.253.99-209
New Auto - 72 Mo7.4310.253.755.478.503.99-195
New Auto - 84 Mo7.128.595.395.797.743.99-133
Used Auto - 24 Mo6.678.594.994.986.094.09-169
Used Auto - 36 Mo7.5011.004.005.238.004.09-227
Used Auto - 48 Mo7.6112.004.135.368.254.09-226
Used Auto - 60 Mo7.5812.254.255.408.254.09-218
Used Auto - 72 Mo7.4411.384.995.698.504.09-174
Used Auto - 84 Mo7.468.596.246.048.004.09-143
Used Boat-60 Mo8.849.946.997.3810.003.99-145
New Boat-60 Mo7.9911.500.507.2910.453.99-69
Rewards Credit Card17.3120.4912.0014.6918.248.99-262
Credit Card Platinum15.8719.7410.2413.0417.997.75-283
Credit Card Classic16.3128.249.9613.9927.747.90-232
Home Equity - LOC 80%7.899.505.996.989.344.99-92
Home Equity - 5 Yr 80%7.459.884.756.949.505.50-51
Home Equity - 10 Yr 80%7.609.124.757.219.505.59-39
Home Equity - 15 Yr 80%7.469.154.757.399.415.59-7
7 Yr ARM6.7598.5005.6256.4397.2505.000-32
3 Yr ARM7.3309.7505.5006.0507.1254.750-128
5 Yr ARM7.24110.2505.1406.5177.8155.250-72
15 Yr Fixed6.3159.0005.1256.0266.8754.750-29
20 Yr Fixed6.2546.4395.8636.1876.6085.786-7
30 Yr Fixed6.6978.0005.6256.4047.1255.500-29
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 Mo8.2810.196.997.1610.053.99-112
New Motorcycle-60 Mo8.2810.196.996.939.143.99-135
Used Motorhome-60 Mo8.839.946.997.6612.004.49-117
New Motorhome-60 Mo8.2311.503.887.4012.003.99-82
Unsecured - 36 Mo11.4119.755.3810.4113.491.64-100
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* Represents the difference in the average rate between banks and credit unions.