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 - $10k1.684.330.012.065.330.0237
6 Mo CD - $10k2.024.500.012.774.500.0375
9 Mo CD - $10k1.664.150.013.275.330.05162
1 Yr CD - $10k2.194.500.013.054.250.0586
18 Mo CD - $10k1.914.750.013.065.330.03115
2 Yr CD - $10k1.814.350.012.994.000.05118
30 Mo CD - $10k1.364.210.012.684.500.05132
3 Yr CD - $10k1.673.960.012.894.020.10123
4 Yr CD - $10k1.643.860.012.944.200.10130
5 Yr CD - $10k1.663.930.012.914.070.10124
3 Mo CD - $100k1.694.330.012.145.330.0245
6 Mo CD - $100k2.034.500.012.794.500.0375
9 Mo CD - $100k1.644.020.013.285.330.05163
1 Yr CD - $100k2.224.500.013.084.250.0587
18 Mo CD - $100k1.894.250.013.085.330.03120
2 Yr CD - $100k1.854.350.013.014.000.05116
30 Mo CD - $100k1.404.210.012.753.820.05135
3 Yr CD - $100k1.693.960.012.924.020.10123
4 Yr CD - $100k1.653.860.012.964.000.10131
5 Yr CD - $100k1.693.930.012.934.070.10124
High Rate Checking1.767.000.013.295.120.05153
Basic Checking0.131.250.010.264.750.0114
IRA - 1 Year - $10k2.024.250.013.044.750.05102
IRA - 1 Year - $100k1.833.900.013.2610.650.10143
IRA - Liquid - $10k0.393.100.010.594.340.0120
IRA - Liquid - $100k1.453.490.010.624.340.01-83
High Rate Money Market - $2.5k0.300.300.300.581.050.2528
Money Market - $2.5k0.514.150.010.693.930.0118
Money Market - $10k0.574.150.010.733.250.0116
High Rate Money Market - $10k1.024.000.011.053.000.253
High Rate Money Market - $25k1.194.000.011.503.500.2530
Money Market - $25k0.704.260.010.823.250.0112
Money Market - $50k0.914.260.010.903.250.01-1
High Rate Money Market - $50k1.314.000.011.483.500.2517
High Rate Money Market - $100k1.454.000.011.633.500.4518
Money Market - $100k1.074.260.011.083.250.011
Money Market - $250k1.224.260.011.213.250.01-1
High Rate Money Market - $250k1.524.000.011.803.500.4527
Money Market - $500k0.964.000.011.323.500.0136
High Rate Money Market - $500k2.632.632.632.053.500.75-58
High Rate Money Market - $1 million2.632.632.632.103.500.75-53
Money Market - $1 million0.974.000.011.334.050.0136
Youth/Student Savings   0.250.250.25 
High Rate Savings1.744.050.022.105.000.1036
Regular Savings0.314.050.010.164.340.01-14
New Auto - 24 Mo6.8710.174.944.9617.992.99-191
New Auto - 36 Mo7.2112.002.995.0417.992.99-217
New Auto - 48 Mo7.1912.502.995.1917.992.99-200
New Auto - 60 Mo7.2713.252.995.3517.992.99-192
New Auto - 72 Mo7.2410.702.995.5217.992.99-172
New Auto - 84 Mo6.888.994.945.9017.992.99-98
Used Auto - 24 Mo7.1110.624.945.2317.992.99-188
Used Auto - 36 Mo7.4513.002.995.3817.992.99-207
Used Auto - 48 Mo7.5011.502.995.4817.992.99-202
Used Auto - 60 Mo7.3711.252.995.6417.992.99-173
Used Auto - 72 Mo7.3810.622.995.8617.992.99-151
Used Auto - 84 Mo7.058.994.946.0917.992.99-96
Used Boat-60 Mo8.239.846.247.3911.242.99-83
New Boat-60 Mo8.2910.752.997.1211.792.99-117
Rewards Credit Card17.0623.497.8013.7019.497.80-337
Credit Card Platinum16.2121.247.5012.1718.007.50-405
Credit Card Classic16.6228.499.9013.2018.007.00-342
Home Equity - LOC 80%7.6111.755.297.1618.004.99-45
Home Equity - 5 Yr 80%7.4810.054.506.639.004.50-85
Home Equity - 10 Yr 80%7.569.925.006.919.485.00-65
Home Equity - 15 Yr 80%7.448.676.007.159.265.32-29
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 Mo10.9910.9910.997.3011.992.99-369
New Motorcycle-60 Mo9.999.999.996.9711.992.99-302
Used Motorhome-60 Mo8.429.847.747.3610.992.99-107
New Motorhome-60 Mo8.2411.502.997.1411.792.99-110
Unsecured - 36 Mo11.5319.756.7410.6618.006.00-87
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* Represents the difference in the average rate between banks and credit unions.