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 - $10k1.423.830.012.033.500.1061
6 Mo CD - $10k1.824.000.012.014.250.2519
9 Mo CD - $10k1.714.250.012.594.750.2589
1 Yr CD - $10k1.823.850.012.263.790.3544
18 Mo CD - $10k1.413.540.012.313.700.3590
2 Yr CD - $10k1.333.500.012.493.750.40116
30 Mo CD - $10k0.783.450.012.043.250.40125
3 Yr CD - $10k1.033.200.012.323.500.60130
4 Yr CD - $10k1.013.200.012.423.550.75141
5 Yr CD - $10k1.113.250.012.503.600.85139
3 Mo CD - $100k1.423.830.012.143.750.1572
6 Mo CD - $100k1.834.000.012.034.250.2520
9 Mo CD - $100k1.714.250.012.614.750.2590
1 Yr CD - $100k1.823.850.012.393.790.3557
18 Mo CD - $100k1.595.050.012.323.700.3574
2 Yr CD - $100k1.333.500.012.563.850.40123
30 Mo CD - $100k0.943.600.011.983.250.40104
3 Yr CD - $100k1.033.200.012.353.500.60132
4 Yr CD - $100k1.043.250.012.453.550.75141
5 Yr CD - $100k1.173.250.012.533.600.85136
High Rate Checking1.014.000.012.225.000.05120
Basic Checking0.030.100.010.412.960.0138
HSA - $1k   0.200.200.20 
HSA - $10k   0.450.500.40 
HSA - $25k   0.711.010.40 
IRA - 1 Year - $10k1.793.780.012.414.610.3563
IRA - 1 Year - $100k2.094.000.012.424.610.3533
IRA - Liquid - $10k0.483.440.010.624.700.0113
IRA - Liquid - $100k0.662.000.010.954.700.0129
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.211.120.010.501.710.0128
Money Market - $10k0.251.240.010.541.710.0528
High Rate Money Market - $10k0.322.960.010.701.000.5538
High Rate Money Market - $25k0.512.960.011.651.981.00115
Money Market - $25k0.362.240.010.742.000.0538
Money Market - $50k0.542.960.010.822.000.1029
High Rate Money Market - $50k0.743.680.011.852.231.11112
High Rate Money Market - $100k0.843.680.012.182.471.61134
Money Market - $100k0.723.680.011.273.130.1054
Money Market - $250k0.803.680.011.493.250.2569
High Rate Money Market - $250k0.873.680.012.322.472.02145
Money Market - $500k0.513.040.011.633.500.25112
High Rate Money Market - $500k0.400.400.402.022.022.02162
High Rate Money Market - $1 million0.400.400.402.022.022.02162
Money Market - $1 million0.523.040.011.663.500.25114
High Rate Savings0.942.750.022.706.170.30177
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6310.045.444.975.593.99-266
New Auto - 36 Mo7.729.995.445.105.594.24-263
New Auto - 48 Mo7.709.995.445.145.794.49-256
New Auto - 60 Mo7.809.995.445.225.794.74-258
New Auto - 72 Mo7.9710.026.145.696.494.99-228
New Auto - 84 Mo8.259.996.146.517.294.99-174
Used Auto - 24 Mo7.8810.395.645.116.703.99-277
Used Auto - 36 Mo8.2110.995.645.206.704.74-301
Used Auto - 48 Mo8.1210.995.645.256.704.86-287
Used Auto - 60 Mo8.2810.995.645.326.704.99-296
Used Auto - 72 Mo7.9910.026.145.816.754.99-219
Used Auto - 84 Mo7.918.996.146.577.294.99-134
Used Boat-60 Mo9.4313.185.998.2410.245.50-118
New Boat-60 Mo8.9712.255.998.3110.245.50-66
Rewards Credit Card17.9120.2414.7414.5418.001.25-337
Credit Card Platinum17.2420.2414.7412.5517.994.00-469
Credit Card Classic15.9220.2413.9913.5118.7010.25-240
Home Equity - LOC 80%7.099.220.256.658.003.75-44
Home Equity - 5 Yr 80%7.4910.996.007.0811.095.79-41
Home Equity - 10 Yr 80%7.7010.996.257.4411.095.29-26
Home Equity - 15 Yr 80%7.8610.996.507.6911.095.95-17
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 Mo10.0413.187.497.969.745.50-208
New Motorcycle-60 Mo9.019.757.497.839.245.50-117
Used Motorhome-60 Mo8.679.736.248.2110.245.50-46
New Motorhome-60 Mo8.9612.256.248.2910.245.50-67
Student Loan-10 Year5.855.855.856.756.756.7590
Unsecured - 36 Mo12.3616.997.4910.4812.397.99-188
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* Represents the difference in the average rate between banks and credit unions.