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.

Sort by Product  / State

North Dakota

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k2.033.900.052.824.200.7079
6 Mo CD - $10k2.824.250.053.074.150.8025
9 Mo CD - $10k2.124.000.053.063.751.5094
1 Yr CD - $10k2.924.250.053.354.101.6543
18 Mo CD - $10k2.503.750.052.793.751.8029
2 Yr CD - $10k2.643.500.052.933.501.7529
30 Mo CD - $10k2.453.850.102.663.301.8521
3 Yr CD - $10k2.553.750.102.763.601.6522
4 Yr CD - $10k2.413.700.152.853.352.0544
5 Yr CD - $10k2.604.100.402.913.502.0031
3 Mo CD - $100k2.104.000.052.834.200.9073
6 Mo CD - $100k2.874.550.053.074.150.8520
9 Mo CD - $100k2.134.000.053.063.751.5093
1 Yr CD - $100k2.964.400.053.384.101.6543
18 Mo CD - $100k2.513.750.052.803.751.8029
2 Yr CD - $100k2.723.950.052.953.501.8523
30 Mo CD - $100k2.473.850.102.663.301.8519
3 Yr CD - $100k2.653.750.102.763.601.7511
4 Yr CD - $100k2.443.700.152.843.252.0539
5 Yr CD - $100k2.644.100.402.903.472.0026
High Rate Checking   3.645.002.27 
Basic Checking0.161.000.010.090.250.01-6
IRA - 1 Year - $10k2.613.850.053.534.101.6592
IRA - 1 Year - $100k2.263.551.003.084.101.6582
IRA - Liquid - $10k1.303.700.010.924.320.01-38
IRA - Liquid - $100k1.403.560.010.350.600.20-105
Money Market - $2.5k0.542.000.010.603.250.056
Money Market - $10k0.622.000.010.683.250.056
High Rate Money Market - $10k0.300.450.150.500.500.5020
High Rate Money Market - $25k0.410.850.101.341.341.3493
Money Market - $25k0.752.970.050.763.250.101
Money Market - $50k0.882.820.050.863.250.20-2
High Rate Money Market - $50k0.480.850.261.391.391.3992
High Rate Money Market - $100k0.851.920.262.332.332.33149
Money Market - $100k1.103.250.051.143.500.204
Money Market - $250k1.223.250.051.293.750.357
High Rate Money Market - $250k1.172.630.402.812.812.81164
Money Market - $500k2.084.000.502.773.751.7069
Money Market - $1 million2.184.000.502.773.751.7059
High Rate Savings1.543.050.020.150.150.15-139
Regular Savings0.251.500.010.150.700.01-9
New Auto - 24 Mo6.158.594.494.985.204.74-118
New Auto - 36 Mo7.419.504.495.887.004.74-153
New Auto - 48 Mo7.419.504.796.047.494.74-136
New Auto - 60 Mo7.459.504.796.067.494.74-139
New Auto - 72 Mo7.289.254.946.357.744.99-93
New Auto - 84 Mo8.598.598.595.656.304.99-295
Used Auto - 24 Mo6.158.594.495.235.494.99-93
Used Auto - 36 Mo7.5711.004.496.057.004.99-152
Used Auto - 48 Mo7.6011.004.796.237.494.99-137
Used Auto - 60 Mo7.6011.004.796.257.494.99-135
Used Auto - 72 Mo7.269.255.756.487.744.99-79
Used Auto - 84 Mo8.598.598.595.656.304.99-295
Used Boat-60 Mo7.899.296.497.9310.246.554
New Boat-60 Mo7.499.796.256.9910.245.00-50
Rewards Credit Card17.3323.499.9014.7918.746.90-253
Credit Card Platinum16.5118.498.9012.3317.748.45-418
Credit Card Classic14.3417.749.9012.7315.748.90-162
Home Equity - LOC 80%7.909.257.007.168.504.75-75
Home Equity - 5 Yr 80%6.858.605.256.397.494.75-46
Home Equity - 10 Yr 80%7.818.675.906.757.995.99-107
Home Equity - 15 Yr 80%8.148.676.796.948.795.99-120
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 Fixed5.9046.3755.500 
30 Yr Fixed6.2457.1105.7255.9936.3755.740-25
30 Yr Fixed-Jumbo 
5 Yr ARM-Jumbo 
Used Motorcycle-60 Mo   6.718.245.49 
New Motorcycle-60 Mo   6.468.244.74 
Used Motorhome-60 Mo7.899.296.497.9310.246.554
New Motorhome-60 Mo7.489.796.256.9910.245.00-49
Unsecured - 36 Mo10.5415.006.7411.6714.748.99113
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2025 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.