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 - $10k1.624.110.011.905.330.0528
6 Mo CD - $10k1.825.100.012.554.790.0572
9 Mo CD - $10k1.855.500.013.075.330.10122
1 Yr CD - $10k1.844.750.012.664.350.1082
18 Mo CD - $10k1.404.000.012.855.330.10144
2 Yr CD - $10k1.554.000.012.654.250.10110
30 Mo CD - $10k1.054.000.012.484.000.20142
3 Yr CD - $10k1.444.000.012.604.300.10115
4 Yr CD - $10k1.374.000.012.524.200.10116
5 Yr CD - $10k1.484.000.012.624.500.10113
3 Mo CD - $100k1.584.110.011.995.330.0541
6 Mo CD - $100k1.815.100.012.584.750.0577
9 Mo CD - $100k1.795.500.013.085.330.10129
1 Yr CD - $100k1.804.750.012.704.350.1091
18 Mo CD - $100k1.484.000.012.835.330.15135
2 Yr CD - $100k1.574.000.012.694.250.10112
30 Mo CD - $100k1.124.000.012.524.000.20140
3 Yr CD - $100k1.504.000.012.634.300.20113
4 Yr CD - $100k1.384.000.012.533.870.20115
5 Yr CD - $100k1.544.000.012.614.500.20107
Youth/Student Checking   0.100.100.10 
High Rate Checking1.764.000.012.877.000.15112
Basic Checking0.142.370.000.435.250.0129
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.594.000.012.654.350.10106
IRA - 1 Year - $100k2.163.900.012.614.350.1045
IRA - Liquid - $10k0.574.000.010.564.340.01-1
IRA - Liquid - $100k0.903.500.010.804.340.01-11
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.474.160.010.572.780.0110
Money Market - $10k0.574.160.010.652.780.017
High Rate Money Market - $10k0.613.000.021.553.650.1594
High Rate Money Market - $25k0.753.100.021.553.650.2080
Money Market - $25k0.794.160.010.752.780.01-4
Money Market - $50k0.874.160.010.842.780.01-3
High Rate Money Market - $50k0.823.100.021.923.650.20110
High Rate Money Market - $100k1.003.100.022.013.650.20101
Money Market - $100k1.004.160.010.953.000.01-4
Money Market - $250k1.074.160.011.043.250.01-3
High Rate Money Market - $250k1.063.100.052.253.650.20120
Money Market - $500k1.174.650.011.053.250.03-12
High Rate Money Market - $500k1.723.000.102.234.000.7551
High Rate Money Market - $1 million1.793.250.103.084.002.15129
Money Market - $1 million1.114.650.011.123.250.031
Youth/Student Savings   5.005.005.00 
High Rate Savings1.483.650.022.085.000.0560
Regular Savings0.334.100.010.214.340.01-12
New Auto - 24 Mo6.578.994.855.086.993.24-149
New Auto - 36 Mo7.019.393.995.058.493.49-196
New Auto - 48 Mo7.069.393.995.218.493.74-185
New Auto - 60 Mo7.109.754.245.338.993.50-177
New Auto - 72 Mo7.3810.025.245.648.993.99-174
New Auto - 84 Mo7.349.996.126.097.993.99-124
Used Auto - 24 Mo6.928.995.375.447.153.24-149
Used Auto - 36 Mo7.299.394.995.379.003.49-192
Used Auto - 48 Mo7.459.754.995.529.003.74-193
Used Auto - 60 Mo7.429.755.245.649.003.99-178
Used Auto - 72 Mo7.5810.025.745.889.503.99-170
Used Auto - 84 Mo7.318.995.996.377.994.49-94
Used Boat-60 Mo8.529.995.997.4711.504.49-105
New Boat-60 Mo8.6613.495.007.1711.494.49-149
Rewards Credit Card18.3423.7411.5913.5319.497.50-481
Credit Card Platinum17.3329.7412.7412.3618.007.50-497
Credit Card Classic16.9128.495.9012.2528.244.99-465
Home Equity - LOC 80%7.5111.095.007.2116.951.99-30
Home Equity - 5 Yr 80%7.0610.375.996.4711.004.00-59
Home Equity - 10 Yr 80%7.3310.365.996.7911.004.99-54
Home Equity - 15 Yr 80%7.5210.395.996.9811.253.75-54
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 Mo7.749.006.197.2610.394.49-49
New Motorcycle-60 Mo7.249.005.696.899.894.49-36
Used Motorhome-60 Mo8.659.996.247.5810.744.49-107
New Motorhome-60 Mo8.5813.495.007.2511.744.49-133
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.0218.256.749.6118.002.75-141
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* Represents the difference in the average rate between banks and credit unions.