RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 330,592 financial institution locations in 19,713 markets across the United States as of 12/23/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.533.830.012.033.500.1051
6 Mo CD - $10k1.874.000.011.994.000.2512
9 Mo CD - $10k1.704.250.012.564.750.2586
1 Yr CD - $10k1.863.850.012.353.780.3549
18 Mo CD - $10k1.473.450.012.293.500.3581
2 Yr CD - $10k1.383.450.012.523.750.40113
30 Mo CD - $10k0.783.450.012.043.250.40125
3 Yr CD - $10k1.083.350.012.323.450.60123
4 Yr CD - $10k1.013.200.012.403.450.60139
5 Yr CD - $10k1.163.350.012.493.450.75132
3 Mo CD - $100k1.533.830.012.143.750.1561
6 Mo CD - $100k1.874.000.012.014.000.2514
9 Mo CD - $100k1.704.250.012.584.750.2587
1 Yr CD - $100k1.863.850.012.373.780.3551
18 Mo CD - $100k1.585.050.012.313.500.3573
2 Yr CD - $100k1.393.450.012.543.850.40115
30 Mo CD - $100k0.943.600.011.983.250.40104
3 Yr CD - $100k1.093.350.012.343.450.60125
4 Yr CD - $100k1.043.200.012.433.500.60139
5 Yr CD - $100k1.173.350.012.513.500.75134
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 - $10k1.783.780.012.404.610.3562
IRA - 1 Year - $100k2.154.000.012.414.610.3526
IRA - Liquid - $10k0.483.250.010.624.700.0114
IRA - Liquid - $100k0.662.000.010.954.700.0129
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.221.120.010.501.710.0128
Money Market - $10k0.261.240.010.541.710.0528
High Rate Money Market - $10k0.322.960.010.701.000.5538
High Rate Money Market - $25k0.502.960.011.651.981.00115
Money Market - $25k0.362.240.010.742.000.0537
Money Market - $50k0.542.960.010.822.000.1029
High Rate Money Market - $50k0.733.680.011.852.231.11112
High Rate Money Market - $100k0.843.680.012.182.471.61134
Money Market - $100k0.713.680.011.273.130.1055
Money Market - $250k0.793.680.011.493.250.2570
High Rate Money Market - $250k0.873.680.012.322.472.02145
Money Market - $500k0.503.040.011.633.500.25113
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 million0.513.040.011.663.500.25114
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6010.045.344.945.593.99-266
New Auto - 36 Mo7.679.995.345.045.594.24-263
New Auto - 48 Mo7.669.995.345.085.794.49-257
New Auto - 60 Mo7.799.995.345.155.794.74-264
New Auto - 72 Mo7.9510.025.895.636.494.74-231
New Auto - 84 Mo8.209.995.896.487.294.74-172
Used Auto - 24 Mo7.8510.395.545.106.703.99-274
Used Auto - 36 Mo8.1510.995.545.166.704.74-299
Used Auto - 48 Mo8.1010.995.545.216.704.74-289
Used Auto - 60 Mo8.2410.995.545.276.704.74-297
Used Auto - 72 Mo8.0010.025.895.756.754.74-224
Used Auto - 84 Mo7.858.995.896.557.294.74-130
Used Boat-60 Mo9.4313.185.998.2310.245.50-120
New Boat-60 Mo8.9412.255.998.3010.245.50-65
Rewards Credit Card17.8420.2414.7414.4418.001.25-340
Credit Card Platinum17.1620.2414.7412.4817.994.00-468
Credit Card Classic15.8820.2413.9913.4818.4510.25-240
Home Equity - LOC 80%7.079.220.256.467.943.75-61
Home Equity - 5 Yr 80%7.4710.996.006.9110.105.79-56
Home Equity - 10 Yr 80%7.6810.996.257.3211.005.29-36
Home Equity - 15 Yr 80%7.8410.996.507.5811.005.95-26
7 Yr ARM6.7397.6565.6256.3977.7505.932-34
3 Yr ARM6.1217.7495.2506.3617.1695.44724
5 Yr ARM6.3977.6235.2506.2557.0755.375-14
15 Yr Fixed6.0317.0005.3755.9286.8095.246-10
20 Yr Fixed6.3417.0385.7406.3286.9765.598-1
30 Yr Fixed6.4427.3755.8756.3446.7345.900-10
15 Yr Fixed-Jumbo6.2756.6635.6345.8296.0875.512-45
20 Yr Fixed-Jumbo6.3966.4396.1626.1076.0875.938-29
7 Yr ARM-Jumbo6.3896.3176.3176.2426.1886.153-15
5 Yr ARM-Jumbo6.4716.3996.3996.2926.2716.191-18
30 Yr Fixed-Jumbo6.6156.7746.4016.4677.0666.087-15
Used Motorcycle-60 Mo10.0413.187.497.949.745.50-209
New Motorcycle-60 Mo9.019.757.497.829.245.50-119
Used Motorhome-60 Mo8.679.736.248.2010.245.50-47
New Motorhome-60 Mo8.9312.256.248.2810.245.50-65
Student Loan-10 Year5.855.855.856.756.756.7590
Unsecured - 36 Mo12.3316.997.4910.4712.397.99-185
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* Represents the difference in the average rate between banks and credit unions.