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 - $10k1.274.200.012.124.200.0585
6 Mo CD - $10k1.924.500.012.884.250.1596
9 Mo CD - $10k1.714.100.013.224.250.80151
1 Yr CD - $10k2.265.000.013.164.250.2591
18 Mo CD - $10k1.883.750.013.104.750.50122
2 Yr CD - $10k1.903.930.012.843.950.3094
30 Mo CD - $10k1.633.940.012.784.310.30114
3 Yr CD - $10k1.893.900.012.834.260.3094
4 Yr CD - $10k1.864.000.012.864.260.30100
5 Yr CD - $10k1.864.100.012.914.160.50105
3 Mo CD - $100k1.314.200.012.314.200.05100
6 Mo CD - $100k1.944.500.012.894.150.1595
9 Mo CD - $100k1.774.100.013.224.250.80146
1 Yr CD - $100k2.295.000.013.304.250.25101
18 Mo CD - $100k1.933.940.013.124.750.50119
2 Yr CD - $100k1.934.190.012.973.950.30104
30 Mo CD - $100k1.553.920.012.754.310.30120
3 Yr CD - $100k1.903.900.012.944.260.30104
4 Yr CD - $100k1.864.000.012.874.260.30101
5 Yr CD - $100k1.874.100.012.964.160.50108
High Rate Checking0.090.250.012.605.000.03251
Basic Checking0.202.000.000.153.000.01-4
IRA - 1 Year - $10k2.044.250.013.204.170.25116
IRA - 1 Year - $100k2.133.900.013.514.101.61138
IRA - Liquid - $10k0.373.500.010.654.340.0128
IRA - Liquid - $100k1.182.000.010.724.340.01-46
High Rate Money Market - $2.5k   0.651.050.25 
Money Market - $2.5k0.534.000.010.753.200.0522
Money Market - $10k0.614.000.010.913.200.0530
High Rate Money Market - $10k1.223.440.100.861.500.25-37
High Rate Money Market - $25k1.293.440.101.843.500.2555
Money Market - $25k0.724.000.011.123.250.0540
Money Market - $50k0.854.000.011.315.000.0546
High Rate Money Market - $50k1.323.440.101.883.500.2556
High Rate Money Market - $100k1.603.440.102.243.501.0564
Money Market - $100k1.044.000.011.585.000.0554
Money Market - $250k1.214.000.011.685.000.0547
High Rate Money Market - $250k1.743.440.102.473.501.0973
Money Market - $500k1.374.000.011.625.000.1525
High Rate Money Market - $500k   2.733.501.95 
High Rate Money Market - $1 million   2.833.502.15 
Money Market - $1 million1.394.000.011.665.000.1527
High Rate Savings0.933.650.022.786.170.10185
Regular Savings0.304.350.010.264.340.01-4
New Auto - 24 Mo5.506.244.944.8413.252.50-66
New Auto - 36 Mo7.3112.003.904.6813.252.50-263
New Auto - 48 Mo7.3412.503.904.7513.252.50-260
New Auto - 60 Mo7.3713.253.904.8113.252.50-256
New Auto - 72 Mo6.9810.503.904.987.003.40-200
New Auto - 84 Mo5.596.244.945.619.753.902
Used Auto - 24 Mo5.556.244.945.2210.592.70-33
Used Auto - 36 Mo7.7013.003.905.0610.592.70-263
Used Auto - 48 Mo7.6711.003.905.1910.592.70-247
Used Auto - 60 Mo7.4611.253.905.2910.592.70-217
Used Auto - 72 Mo7.0810.503.905.5811.493.60-150
Used Auto - 84 Mo5.596.244.945.9612.193.9037
Used Boat-60 Mo8.608.608.607.5811.244.49-102
New Boat-60 Mo8.5611.505.757.2210.994.49-134
Rewards Credit Card16.9323.4910.9913.7519.747.90-318
Credit Card Platinum16.1918.749.5013.2718.246.75-293
Credit Card Classic18.1028.499.9915.4222.247.90-268
Home Equity - LOC 80%7.7111.756.007.099.506.00-62
Home Equity - 5 Yr 80%7.5910.055.996.8310.504.92-75
Home Equity - 10 Yr 80%7.919.926.007.0410.505.50-87
Home Equity - 15 Yr 80%7.198.406.007.1710.505.50-3
7 Yr ARM6.5167.5005.7386.0547.4535.000-46
3 Yr ARM6.7877.0506.1165.9957.0004.750-79
5 Yr ARM6.6348.1535.6256.1737.2504.875-46
15 Yr Fixed6.3487.5005.1255.8467.5004.875-50
20 Yr Fixed5.9556.3485.5476.1446.6775.66019
30 Yr Fixed6.7267.8505.7436.3207.3755.614-41
15 Yr Fixed-Jumbo5.7125.5955.5955.5275.5325.290-18
20 Yr Fixed-Jumbo6.4506.3556.3556.0165.9385.907-43
7 Yr ARM-Jumbo6.4536.3816.3816.2726.2016.201-18
5 Yr ARM-Jumbo6.5506.4776.4776.4286.3566.356-12
30 Yr Fixed-Jumbo6.4256.3536.3536.1926.1346.107-23
Used Motorcycle-60 Mo   7.4210.544.49 
New Motorcycle-60 Mo   7.069.544.49 
Used Motorhome-60 Mo7.747.747.747.5810.744.49-16
New Motorhome-60 Mo8.4712.255.757.2612.004.49-121
Student Loan-10 Year   6.756.756.75 
Unsecured - 36 Mo10.7715.506.2510.3614.996.99-42
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* Represents the difference in the average rate between banks and credit unions.