RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,802 financial institution locations in 19,713 markets across the United States as of 12/9/2025.

Sort by Product  / State

New Jersey

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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 - $10k1.694.110.012.494.350.0180
9 Mo CD - $10k2.104.100.012.735.330.0563
1 Yr CD - $10k1.914.000.012.734.150.0581
18 Mo CD - $10k1.614.000.012.845.330.10122
2 Yr CD - $10k1.863.950.012.683.920.1082
30 Mo CD - $10k0.753.810.012.433.900.45168
3 Yr CD - $10k1.453.900.012.683.920.15123
4 Yr CD - $10k1.503.850.012.804.200.20130
5 Yr CD - $10k1.533.900.012.884.020.25135
3 Mo CD - $100k1.994.110.012.195.330.0521
6 Mo CD - $100k1.704.110.012.554.350.0186
9 Mo CD - $100k2.104.100.012.715.330.0561
1 Yr CD - $100k1.914.000.012.814.150.0590
18 Mo CD - $100k1.624.000.012.885.330.10126
2 Yr CD - $100k1.873.950.012.733.920.1086
30 Mo CD - $100k0.763.810.012.533.900.45176
3 Yr CD - $100k1.453.900.012.723.920.15127
4 Yr CD - $100k1.533.850.012.833.920.20131
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 - $10k1.834.000.012.814.150.0598
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 - $2.5k0.412.810.010.733.500.0132
Money Market - $10k0.583.410.010.864.000.0128
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 - $50k0.854.000.011.094.000.0124
High Rate Money Market - $50k1.413.230.101.583.250.2518
High Rate Money Market - $100k1.493.230.102.223.301.6073
Money Market - $100k0.974.000.011.153.450.0118
Money Market - $250k1.044.000.011.253.450.0121
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 Savings0.253.650.010.264.340.011
New Auto - 24 Mo6.268.994.994.986.243.74-129
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 Mo7.259.254.995.276.503.50-198
New Auto - 72 Mo6.999.005.245.657.103.74-134
New Auto - 84 Mo7.578.996.145.987.253.74-158
Used Auto - 24 Mo6.708.995.645.396.993.74-131
Used Auto - 36 Mo7.5710.514.995.396.993.74-219
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 Card17.8923.4913.7414.6818.249.00-322
Credit Card Platinum17.1029.7412.7412.7717.998.90-433
Credit Card Classic16.2120.995.9013.5127.748.00-270
Home Equity - LOC 80%7.519.096.246.877.990.25-64
Home Equity - 5 Yr 80%6.949.005.746.408.244.25-54
Home Equity - 10 Yr 80%7.219.256.246.738.494.75-48
Home Equity - 15 Yr 80%7.379.506.747.2410.005.49-13
7 Yr ARM6.3767.0895.7506.2937.6825.000-8
3 Yr ARM5.7586.2925.2506.1327.7624.75037
5 Yr ARM5.9826.7505.3756.1627.7133.14218
15 Yr Fixed5.8107.2504.7505.9156.8755.12511
20 Yr Fixed6.1286.4125.6266.1466.5915.4292
30 Yr Fixed6.3588.0005.6256.3497.1255.668-1
15 Yr Fixed-Jumbo5.8295.7125.712 
20 Yr Fixed-Jumbo6.5216.4256.425 
7 Yr ARM-Jumbo6.4646.3926.392 
5 Yr ARM-Jumbo6.5916.5186.518 
30 Yr Fixed-Jumbo6.5306.4576.457 
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 Mo11.9616.756.4910.4214.996.99-154
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2025 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.