RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 329,723 financial institution locations in 19,713 markets across the United States as of 12/8/2025.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.243.630.052.134.120.2088
6 Mo CD - $10k1.683.950.033.394.250.25171
9 Mo CD - $10k1.516.910.033.234.000.25172
1 Yr CD - $10k1.643.850.033.554.030.35191
18 Mo CD - $10k1.183.680.033.334.000.35215
2 Yr CD - $10k1.433.630.033.354.000.40192
30 Mo CD - $10k1.156.910.032.713.820.40156
3 Yr CD - $10k1.133.580.033.243.870.60211
4 Yr CD - $10k1.173.540.033.264.200.75209
5 Yr CD - $10k1.123.490.033.274.100.85215
3 Mo CD - $100k1.253.630.052.144.120.2089
6 Mo CD - $100k1.683.950.033.404.250.25171
9 Mo CD - $100k1.526.910.033.264.000.25174
1 Yr CD - $100k1.663.850.033.554.250.35189
18 Mo CD - $100k1.305.050.033.334.000.35203
2 Yr CD - $100k1.433.630.033.364.050.40193
30 Mo CD - $100k1.186.910.032.723.820.40154
3 Yr CD - $100k1.133.580.033.254.050.60212
4 Yr CD - $100k1.213.540.033.264.350.75205
5 Yr CD - $100k1.123.490.033.284.350.85216
High Rate Checking0.020.020.013.495.250.50348
Basic Checking0.040.350.010.273.040.0122
IRA - 1 Year - $10k1.823.780.053.564.610.35174
IRA - 1 Year - $100k2.313.510.203.364.610.35105
IRA - Liquid - $10k0.352.380.010.884.700.0553
IRA - Liquid - $100k0.782.380.010.984.700.0521
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.191.470.011.213.600.01103
Money Market - $10k0.231.970.011.412.720.05118
High Rate Money Market - $10k0.302.000.010.250.250.25-5
High Rate Money Market - $25k0.492.000.050.250.250.25-24
Money Market - $25k0.361.970.011.602.720.10124
Money Market - $50k0.522.290.011.802.750.10128
High Rate Money Market - $50k0.762.500.050.701.150.25-6
High Rate Money Market - $100k1.033.250.101.501.601.4047
Money Market - $100k0.743.040.052.053.000.10131
Money Market - $250k0.813.040.052.313.150.75150
High Rate Money Market - $250k1.033.250.101.581.751.4054
Money Market - $500k0.783.040.052.374.001.00160
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million0.903.040.052.434.001.00153
High Rate Savings1.272.500.043.655.252.70238
Regular Savings0.050.250.010.100.350.015
New Auto - 24 Mo7.2610.045.444.707.993.89-255
New Auto - 36 Mo7.569.755.185.077.993.89-249
New Auto - 48 Mo7.529.755.005.208.494.24-232
New Auto - 60 Mo7.719.755.185.338.494.24-238
New Auto - 72 Mo8.0110.025.185.698.994.24-231
New Auto - 84 Mo7.809.996.096.308.994.24-150
Used Auto - 24 Mo7.4210.395.644.837.993.99-259
Used Auto - 36 Mo8.1612.505.005.167.993.99-300
Used Auto - 48 Mo8.0512.505.005.308.494.24-275
Used Auto - 60 Mo8.2612.505.185.438.494.24-284
Used Auto - 72 Mo8.1512.505.005.798.994.24-237
Used Auto - 84 Mo7.198.995.996.568.994.24-63
Used Boat-60 Mo9.4913.185.997.9718.005.49-153
New Boat-60 Mo8.6212.255.996.7618.004.70-186
Rewards Credit Card17.8020.7415.7513.3117.996.99-449
Credit Card Platinum16.8418.749.9911.6217.496.90-522
Credit Card Classic14.9720.7411.5011.6815.508.90-329
Home Equity - LOC 80%7.589.256.757.058.006.00-53
Home Equity - 5 Yr 80%7.529.876.006.377.495.50-115
Home Equity - 10 Yr 80%7.819.866.756.707.995.75-111
Home Equity - 15 Yr 80%7.889.896.996.878.255.95-102
7 Yr ARM6.8337.4406.3226.4487.5005.375-39
3 Yr ARM6.5237.9256.0006.2637.0005.115-26
5 Yr ARM6.4667.4466.0006.3827.2505.250-8
15 Yr Fixed6.2777.0005.3756.2467.5005.151-3
20 Yr Fixed6.4977.0385.7406.6176.9766.39112
30 Yr Fixed6.6357.3756.0006.7918.5005.61416
15 Yr Fixed-Jumbo6.0016.1715.595 
20 Yr Fixed-Jumbo6.4166.3556.287 
7 Yr ARM-Jumbo6.4536.3816.381 
5 Yr ARM-Jumbo6.5506.4776.477 
30 Yr Fixed-Jumbo6.5126.5276.353 
Used Motorcycle-60 Mo10.1913.187.496.9810.055.25-321
New Motorcycle-60 Mo8.909.907.496.698.494.75-222
Used Motorhome-60 Mo8.239.906.247.8718.005.49-36
New Motorhome-60 Mo8.5112.256.246.6518.004.70-186
Unsecured - 36 Mo14.1725.177.4910.4414.746.69-373
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* Represents the difference in the average rate between banks and credit unions.