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 - $10k1.273.970.011.895.330.0262
6 Mo CD - $10k1.864.000.012.934.150.15107
9 Mo CD - $10k2.123.880.013.055.331.4593
1 Yr CD - $10k2.073.980.013.164.550.20109
18 Mo CD - $10k1.483.730.013.035.330.05155
2 Yr CD - $10k1.783.680.013.034.500.45126
30 Mo CD - $10k1.253.680.012.564.000.25131
3 Yr CD - $10k1.613.680.013.014.300.55140
4 Yr CD - $10k1.453.680.013.014.200.80156
5 Yr CD - $10k1.623.680.013.014.010.95138
3 Mo CD - $100k1.493.970.012.175.330.0167
6 Mo CD - $100k1.944.000.012.884.150.1294
9 Mo CD - $100k2.223.880.013.065.331.4584
1 Yr CD - $100k2.173.980.013.105.150.2093
18 Mo CD - $100k1.603.730.013.115.331.35152
2 Yr CD - $100k1.923.680.012.984.550.09107
30 Mo CD - $100k1.343.680.012.483.600.25114
3 Yr CD - $100k1.703.680.012.964.350.12127
4 Yr CD - $100k1.473.680.012.953.860.80148
5 Yr CD - $100k1.713.680.013.004.010.95129
High Rate Checking0.020.020.012.836.000.35281
Basic Checking0.100.620.010.365.500.0127
IRA - 1 Year - $10k2.223.920.013.104.240.2088
IRA - 1 Year - $100k1.563.510.012.954.000.20139
IRA - Liquid - $10k0.221.910.010.483.760.0326
IRA - Liquid - $100k0.692.000.010.453.250.05-24
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.512.290.010.632.020.0312
Money Market - $10k0.602.290.010.702.120.0310
High Rate Money Market - $10k   0.390.800.13 
High Rate Money Market - $25k   0.450.850.25 
Money Market - $25k0.592.290.010.802.120.0521
Money Market - $50k0.662.290.010.902.120.0524
High Rate Money Market - $50k   0.470.900.25 
High Rate Money Market - $100k   1.001.600.25 
Money Market - $100k0.742.290.011.002.720.0526
Money Market - $250k0.792.350.011.073.690.0528
High Rate Money Market - $250k   1.051.750.25 
Money Market - $500k0.632.290.010.982.020.0535
High Rate Money Market - $500k   1.951.951.95 
High Rate Money Market - $1 million   2.152.152.15 
Money Market - $1 million0.632.290.010.982.020.0535
Youth/Student Savings   3.003.003.00 
High Rate Savings0.733.400.021.863.750.05113
Regular Savings0.363.400.010.121.870.02-24
New Auto - 24 Mo6.128.994.944.406.493.00-172
New Auto - 36 Mo6.538.995.444.636.493.00-190
New Auto - 48 Mo6.608.995.444.986.493.24-163
New Auto - 60 Mo6.668.995.445.156.993.50-151
New Auto - 72 Mo6.498.995.745.566.754.40-93
New Auto - 84 Mo6.698.994.946.137.644.99-56
Used Auto - 24 Mo6.548.994.944.756.993.05-179
Used Auto - 36 Mo6.858.995.644.956.993.05-190
Used Auto - 48 Mo6.998.995.645.276.993.74-173
Used Auto - 60 Mo6.908.995.645.436.994.24-147
Used Auto - 72 Mo6.657.596.145.847.244.94-81
Used Auto - 84 Mo6.698.994.946.367.495.49-33
Used Boat-60 Mo8.608.608.608.2314.495.24-37
New Boat-60 Mo10.1711.508.757.4413.494.74-273
Rewards Credit Card17.8120.2414.9913.8118.008.99-400
Credit Card Platinum17.4929.7410.2412.8817.997.99-461
Credit Card Classic17.3220.9912.9912.9217.996.99-440
Home Equity - LOC 80%7.959.627.007.058.506.00-89
Home Equity - 5 Yr 80%7.898.297.486.4712.501.00-142
Home Equity - 10 Yr 80%7.888.507.567.1412.505.25-75
Home Equity - 15 Yr 80%7.988.637.647.3912.505.49-59
7 Yr ARM6.6547.0896.1746.1607.1255.125-49
3 Yr ARM7.1368.1253.500 
5 Yr ARM6.4406.5696.1546.0336.7504.999-41
15 Yr Fixed6.1097.0005.2505.7756.2504.750-33
20 Yr Fixed6.0686.3785.5475.9076.0725.421-16
30 Yr Fixed6.5897.0005.8756.1536.7505.500-44
15 Yr Fixed-Jumbo5.7395.6225.622 
20 Yr Fixed-Jumbo6.4736.3786.378 
7 Yr ARM-Jumbo6.4576.3856.385 
5 Yr ARM-Jumbo6.5516.4786.478 
30 Yr Fixed-Jumbo6.4136.3416.341 
Used Motorcycle-60 Mo   7.0610.055.25 
New Motorcycle-60 Mo   6.537.954.75 
Used Motorhome-60 Mo7.747.747.748.4314.495.2569
New Motorhome-60 Mo9.8811.507.887.4413.994.74-243
Unsecured - 36 Mo10.6413.896.749.0012.006.99-165
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* Represents the difference in the average rate between banks and credit unions.