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 - $10k1.603.530.051.683.821.018
6 Mo CD - $10k2.143.200.032.854.072.0072
9 Mo CD - $10k1.593.600.033.323.932.74172
1 Yr CD - $10k2.143.500.053.634.232.60149
18 Mo CD - $10k1.563.000.033.364.192.70180
2 Yr CD - $10k1.722.900.032.773.112.47106
30 Mo CD - $10k1.182.080.032.602.802.23143
3 Yr CD - $10k1.542.700.032.763.392.13122
4 Yr CD - $10k1.292.200.032.603.631.98131
5 Yr CD - $10k1.522.750.032.724.021.73120
3 Mo CD - $100k1.683.530.051.733.821.015
6 Mo CD - $100k2.223.550.032.894.072.0067
9 Mo CD - $100k1.613.600.033.323.932.74171
1 Yr CD - $100k2.163.500.053.704.332.60154
18 Mo CD - $100k2.015.050.033.394.192.70138
2 Yr CD - $100k1.802.900.032.833.322.47104
30 Mo CD - $100k1.312.230.032.652.952.23134
3 Yr CD - $100k1.612.700.032.823.602.13121
4 Yr CD - $100k1.432.230.032.663.841.98123
5 Yr CD - $100k1.622.750.032.784.231.73117
High Rate Checking0.030.070.013.505.002.00347
Basic Checking0.050.100.010.080.250.013
IRA - 1 Year - $10k2.133.000.053.294.300.80116
IRA - 1 Year - $100k2.303.001.503.514.300.80121
IRA - Liquid - $10k0.442.000.030.392.110.05-4
IRA - Liquid - $100k0.802.000.010.422.110.05-38
Money Market - $2.5k0.130.250.040.450.600.2532
Money Market - $10k0.130.250.040.530.800.2539
High Rate Money Market - $10k2.002.002.00    
High Rate Money Market - $25k2.002.002.00    
Money Market - $25k0.190.400.040.560.800.3037
Money Market - $50k0.190.400.040.660.800.4047
High Rate Money Market - $50k2.002.002.00    
High Rate Money Market - $100k2.002.002.00    
Money Market - $100k0.210.500.050.881.220.4567
Money Market - $250k0.240.700.051.011.540.5077
High Rate Money Market - $250k2.002.002.00    
Money Market - $500k0.130.250.050.901.500.5078
Money Market - $1 million0.130.250.050.901.500.5078
High Rate Savings0.030.040.022.252.252.25222
Regular Savings0.070.150.010.232.010.1017
New Auto - 24 Mo5.866.155.445.396.894.24-47
New Auto - 36 Mo6.829.505.445.546.894.24-128
New Auto - 48 Mo6.829.505.445.546.894.24-128
New Auto - 60 Mo6.829.505.445.576.894.24-125
New Auto - 72 Mo7.109.755.955.656.894.24-144
New Auto - 84 Mo6.576.996.155.686.894.24-89
Used Auto - 24 Mo6.036.455.645.566.894.75-46
Used Auto - 36 Mo7.179.505.645.686.894.75-148
Used Auto - 48 Mo7.179.505.645.696.894.80-148
Used Auto - 60 Mo7.359.505.645.726.894.97-163
Used Auto - 72 Mo7.309.755.995.806.895.24-150
Used Auto - 84 Mo6.226.455.995.866.895.24-36
Used Boat-60 Mo8.048.078.007.448.996.29-60
New Boat-60 Mo7.9710.506.257.338.996.29-64
Rewards Credit Card18.2420.7415.2412.3417.999.90-590
Credit Card Platinum16.9518.7414.999.1011.403.10-785
Credit Card Classic15.4117.7413.9011.8415.408.99-356
Home Equity - LOC 80%8.559.857.497.068.500.25-148
Home Equity - 5 Yr 80%9.1210.007.508.4210.506.96-71
Home Equity - 10 Yr 80%9.1210.007.508.4810.507.37-64
Home Equity - 15 Yr 80%9.9510.009.898.5510.877.40-140
7 Yr ARM6.4606.7056.1916.0236.5905.247-44
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 Mo7.007.007.006.657.275.49-35
New Motorcycle-60 Mo7.007.007.006.657.275.49-35
Used Motorhome-60 Mo7.668.077.257.718.996.675
New Motorhome-60 Mo7.9810.506.257.688.996.67-30
Unsecured - 36 Mo11.4713.006.7411.7614.909.9029
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* Represents the difference in the average rate between banks and credit unions.