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 - $10k1.964.110.012.065.330.0510
6 Mo CD - $10k1.734.110.012.494.350.0176
9 Mo CD - $10k2.104.100.012.735.330.0563
1 Yr CD - $10k1.924.000.012.734.150.0581
18 Mo CD - $10k1.674.000.012.845.330.10117
2 Yr CD - $10k1.853.950.012.683.920.1083
30 Mo CD - $10k0.753.810.012.433.900.45168
3 Yr CD - $10k1.443.900.012.683.920.15123
4 Yr CD - $10k1.503.850.012.804.200.20130
5 Yr CD - $10k1.523.900.012.884.020.25135
3 Mo CD - $100k2.004.110.012.205.330.0520
6 Mo CD - $100k1.704.110.012.564.350.0186
9 Mo CD - $100k2.114.100.012.715.330.0560
1 Yr CD - $100k1.934.000.012.824.150.0588
18 Mo CD - $100k1.644.000.012.895.330.10125
2 Yr CD - $100k1.853.950.012.733.920.1087
30 Mo CD - $100k0.763.810.012.533.900.45176
3 Yr CD - $100k1.463.900.012.723.920.15126
4 Yr CD - $100k1.523.850.012.833.920.20131
5 Yr CD - $100k1.493.900.012.914.230.25142
High Rate Checking0.020.020.013.615.500.35360
Basic Checking0.121.390.010.325.500.0120
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.844.000.012.814.150.0597
IRA - 1 Year - $100k2.563.900.013.174.051.0061
IRA - Liquid - $10k0.473.920.010.554.340.018
IRA - Liquid - $100k1.703.900.010.644.340.01-106
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.442.810.010.733.500.0129
Money Market - $10k0.633.410.010.864.000.0122
High Rate Money Market - $10k0.962.960.100.671.250.25-30
High Rate Money Market - $25k1.242.980.101.573.200.2533
Money Market - $25k0.784.000.011.004.000.0121
Money Market - $50k0.884.000.011.094.000.0120
High Rate Money Market - $50k1.413.230.101.583.250.2518
High Rate Money Market - $100k1.493.230.102.223.301.6073
Money Market - $100k1.004.000.011.153.450.0115
Money Market - $250k1.074.000.011.253.450.0118
High Rate Money Market - $250k2.313.230.102.883.501.7558
Money Market - $500k1.224.000.031.173.250.05-5
High Rate Money Market - $500k0.100.100.102.984.001.95288
High Rate Money Market - $1 million0.100.100.103.084.002.15298
Money Market - $1 million1.314.000.031.183.250.05-13
High Rate Savings1.803.650.022.355.000.0555
Regular Savings0.243.650.010.264.340.012
New Auto - 24 Mo6.368.994.994.986.243.74-139
New Auto - 36 Mo7.089.254.995.026.243.74-206
New Auto - 48 Mo7.199.254.995.156.243.74-204
New Auto - 60 Mo7.309.254.995.276.503.50-202
New Auto - 72 Mo6.999.015.245.657.103.74-134
New Auto - 84 Mo7.578.996.145.987.253.74-158
Used Auto - 24 Mo6.808.995.645.396.993.74-141
Used Auto - 36 Mo7.5510.514.995.396.993.74-216
Used Auto - 48 Mo7.6610.504.995.516.993.74-215
Used Auto - 60 Mo7.2310.514.995.656.993.74-159
Used Auto - 72 Mo6.9110.515.245.937.803.74-98
Used Auto - 84 Mo7.578.996.146.298.133.74-127
Used Boat-60 Mo   8.3414.494.49 
New Boat-60 Mo8.4611.256.247.5413.494.49-92
Rewards Credit Card17.9023.4913.7414.6818.249.00-322
Credit Card Platinum17.0929.7412.7412.7817.998.90-430
Credit Card Classic16.2120.995.9013.5127.748.00-270
Home Equity - LOC 80%7.529.096.246.877.990.25-65
Home Equity - 5 Yr 80%6.949.005.746.378.244.25-57
Home Equity - 10 Yr 80%7.239.256.246.698.494.75-54
Home Equity - 15 Yr 80%7.389.506.747.1810.005.49-20
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 Mo   7.2610.053.74 
New Motorcycle-60 Mo   6.859.143.74 
Used Motorhome-60 Mo8.138.138.138.1614.494.494
New Motorhome-60 Mo8.3711.256.247.6413.994.49-73
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.9016.756.4910.3814.996.99-152
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* Represents the difference in the average rate between banks and credit unions.