RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 346,335 financial institution locations in 19,713 markets across the United States as of 9/14/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.165.500.012.015.330.0285
6 Mo CD - $10k1.565.100.012.755.000.01120
9 Mo CD - $10k1.386.910.013.139.000.01176
1 Yr CD - $10k1.755.000.013.044.590.01129
18 Mo CD - $10k1.465.500.013.025.330.01155
2 Yr CD - $10k1.554.450.012.964.700.01141
30 Mo CD - $10k1.206.910.012.935.000.05173
3 Yr CD - $10k1.425.500.012.935.000.01151
4 Yr CD - $10k1.385.500.012.954.580.05157
5 Yr CD - $10k1.445.500.013.026.250.01158
3 Mo CD - $100k1.215.500.012.065.330.0185
6 Mo CD - $100k1.6120.000.012.795.000.01118
9 Mo CD - $100k1.456.910.013.169.000.01171
1 Yr CD - $100k1.815.000.013.075.150.01127
18 Mo CD - $100k1.515.500.013.045.330.01152
2 Yr CD - $100k1.624.590.013.004.700.01139
30 Mo CD - $100k1.246.910.012.965.000.05172
3 Yr CD - $100k1.475.500.012.975.000.01150
4 Yr CD - $100k1.425.500.012.974.630.05155
5 Yr CD - $100k1.485.500.013.066.250.01158
Youth/Student Checking   0.100.100.10 
High Rate Checking1.047.500.013.128.300.01208
Basic Checking0.1211.000.000.227.230.0110
HSA - $1k0.161.460.010.311.010.0115
HSA - $10k0.332.020.030.492.530.0116
HSA - $25k0.382.020.030.593.050.0122
IRA - 1 Year - $10k1.645.000.013.024.750.01138
IRA - 1 Year - $100k1.324.500.013.1510.650.01183
IRA - Liquid - $10k0.405.300.010.655.300.0125
IRA - Liquid - $100k0.434.700.010.735.090.0130
High Rate Money Market - $2.5k0.603.500.050.603.500.010
Money Market - $2.5k0.384.010.010.745.040.0036
Money Market - $10k0.444.010.010.844.000.0140
High Rate Money Market - $10k1.133.750.011.244.000.0110
High Rate Money Market - $25k1.184.400.011.624.000.0144
Money Market - $25k0.634.010.010.994.000.0136
Money Market - $50k0.734.010.011.167.000.0142
High Rate Money Market - $50k1.264.000.011.834.000.0157
High Rate Money Market - $100k1.424.000.012.194.000.0577
Money Market - $100k0.9123.000.011.4023.000.0150
Money Market - $250k1.0223.000.011.5423.000.0152
High Rate Money Market - $250k1.554.000.012.404.050.0585
Money Market - $500k1.154.650.011.5623.000.0141
High Rate Money Market - $500k1.523.820.102.164.000.4064
High Rate Money Market - $1 million1.603.950.102.334.000.4073
Money Market - $1 million1.194.650.011.6123.000.0142
Youth/Student Savings   0.665.000.02 
High Rate Savings0.895.000.022.5710.000.01168
Regular Savings0.195.000.000.196.000.000
New Auto - 24 Mo6.4211.002.004.9013.251.99-153
New Auto - 36 Mo6.9214.002.004.9113.251.99-202
New Auto - 48 Mo6.9714.002.005.0313.251.99-195
New Auto - 60 Mo7.0514.002.005.1313.251.99-192
New Auto - 72 Mo7.1114.002.655.409.501.99-171
New Auto - 84 Mo6.8311.004.495.709.951.99-113
Used Auto - 24 Mo6.5726.004.495.1110.591.99-146
Used Auto - 36 Mo7.2926.002.995.1111.001.99-217
Used Auto - 48 Mo7.3426.002.995.2411.001.99-211
Used Auto - 60 Mo7.3126.002.995.3411.001.99-197
Used Auto - 72 Mo7.2714.002.995.6111.491.99-166
Used Auto - 84 Mo6.848.994.495.9512.191.99-89
Used Boat-60 Mo8.3813.185.597.4018.002.50-99
New Boat-60 Mo8.3314.001.757.2618.002.50-107
Rewards Credit Card17.3029.744.4913.5919.951.00-371
Credit Card Platinum16.5029.742.0012.2528.991.00-426
Credit Card Classic16.0329.950.1012.8128.741.00-322
Home Equity - LOC 80%7.5916.000.256.8018.000.25-78
Home Equity - 5 Yr 80%7.3211.754.006.6411.501.00-68
Home Equity - 10 Yr 80%7.5212.492.506.9912.901.00-54
Home Equity - 15 Yr 80%7.5512.992.507.2813.001.00-28
7 Yr ARM6.6058.5001.0006.3278.8541.000-28
3 Yr ARM6.5479.7501.0006.2348.5001.000-31
5 Yr ARM6.5989.9903.8756.1819.1671.000-42
15 Yr Fixed6.27010.8502.0006.23811.7501.000-3
20 Yr Fixed7.0129.0004.6186.7148.7001.000-30
30 Yr Fixed6.72011.4504.0006.72513.2501.0001
15 Yr Fixed-Jumbo6.7236.7176.0386.1246.9155.290-60
20 Yr Fixed-Jumbo7.3527.2986.7386.4137.1405.520-94
7 Yr ARM-Jumbo6.7316.7206.6516.2917.5035.000-44
5 Yr ARM-Jumbo6.6136.5896.5336.4376.8125.916-18
3 Yr ARM-Jumbo5.8895.8145.814 
30 Yr Fixed-Jumbo7.3757.3526.1486.7417.2625.814-63
Used Motorcycle-60 Mo8.0915.225.257.1913.242.00-90
New Motorcycle-60 Mo8.0215.225.256.9512.642.00-107
Used Motorhome-60 Mo8.4715.225.957.3818.002.00-109
New Motorhome-60 Mo8.3415.221.757.2618.001.00-108
Student Loan-10 Year7.067.067.065.096.753.24-197
Unsecured - 36 Mo11.3025.175.0010.6020.002.75-69
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* Represents the difference in the average rate between banks and credit unions.