RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.353.900.012.615.330.10126
6 Mo CD - $10k2.003.990.013.174.050.15117
9 Mo CD - $10k1.954.090.013.999.002.85204
1 Yr CD - $10k2.074.150.013.414.150.30134
18 Mo CD - $10k1.784.250.013.435.330.80165
2 Yr CD - $10k1.874.250.013.354.500.45148
30 Mo CD - $10k1.774.000.013.614.712.85184
3 Yr CD - $10k1.724.000.013.234.290.60151
4 Yr CD - $10k1.684.000.013.124.250.95144
5 Yr CD - $10k1.824.000.013.264.301.10144
3 Mo CD - $100k1.383.900.012.675.330.10128
6 Mo CD - $100k2.053.990.013.224.080.15117
9 Mo CD - $100k2.044.090.013.809.001.00176
1 Yr CD - $100k2.114.150.013.464.150.35135
18 Mo CD - $100k1.824.250.013.485.330.80166
2 Yr CD - $100k1.924.250.013.394.500.50148
30 Mo CD - $100k1.804.000.013.574.102.85177
3 Yr CD - $100k1.764.000.013.294.290.65153
4 Yr CD - $100k1.704.000.013.204.251.00150
5 Yr CD - $100k1.874.000.013.344.301.10148
High Rate Checking0.833.250.012.766.000.10193
Basic Checking0.080.720.000.132.000.014
IRA - 1 Year - $10k1.974.250.013.524.250.35155
IRA - 1 Year - $100k1.143.550.013.554.250.70241
IRA - Liquid - $10k0.704.750.011.115.300.0242
IRA - Liquid - $100k0.813.560.010.904.080.039
High Rate Money Market - $2.5k0.651.250.050.250.250.25-40
Money Market - $2.5k0.413.060.010.803.150.0539
Money Market - $10k0.483.060.010.863.150.1038
High Rate Money Market - $10k0.511.250.050.300.350.25-21
High Rate Money Market - $25k0.673.350.051.033.150.2536
Money Market - $25k0.713.400.010.993.150.1028
Money Market - $50k0.793.400.011.213.250.1042
High Rate Money Market - $50k0.683.350.051.303.200.2563
High Rate Money Market - $100k0.933.350.071.923.250.5098
Money Market - $100k1.003.400.011.493.250.1049
Money Market - $250k1.203.400.011.693.450.1049
High Rate Money Market - $250k0.942.860.071.983.350.50104
Money Market - $500k1.243.400.051.623.450.1038
High Rate Money Market - $500k1.552.760.251.751.751.7520
High Rate Money Market - $1 million1.602.760.251.951.951.9535
Money Market - $1 million1.323.400.051.663.900.1033
High Rate Savings0.693.000.023.204.880.10252
Regular Savings0.243.940.010.334.890.019
New Auto - 24 Mo6.898.595.195.148.953.34-175
New Auto - 36 Mo6.589.004.955.268.953.34-132
New Auto - 48 Mo6.639.004.955.388.954.09-125
New Auto - 60 Mo6.609.005.155.458.954.09-115
New Auto - 72 Mo6.709.255.445.708.954.34-99
New Auto - 84 Mo7.588.595.585.939.954.49-165
Used Auto - 24 Mo7.098.785.395.298.953.84-180
Used Auto - 36 Mo6.819.964.955.398.953.84-142
Used Auto - 48 Mo6.769.254.955.518.954.34-124
Used Auto - 60 Mo6.729.255.155.598.954.39-113
Used Auto - 72 Mo6.829.605.445.878.954.49-95
Used Auto - 84 Mo7.678.785.586.119.954.49-156
Used Boat-60 Mo8.6411.015.597.9615.504.49-68
New Boat-60 Mo8.2011.525.597.9615.504.49-23
Rewards Credit Card17.0920.5011.7414.3317.996.99-276
Credit Card Platinum15.6818.743.1012.4217.743.10-326
Credit Card Classic16.2724.9911.7513.6517.248.99-261
Home Equity - LOC 80%7.508.984.996.998.503.99-51
Home Equity - 5 Yr 80%7.7910.616.136.639.433.99-115
Home Equity - 10 Yr 80%7.9010.616.196.719.513.99-118
Home Equity - 15 Yr 80%7.8010.616.197.1610.493.99-64
7 Yr ARM6.6187.0456.1256.5247.0576.036-9
3 Yr ARM7.1717.0907.0906.4676.7506.170-70
5 Yr ARM6.5708.1536.0006.2917.0435.389-28
15 Yr Fixed6.2616.6205.7506.1286.5684.997-13
20 Yr Fixed6.5917.0356.1296.6257.7555.7503
30 Yr Fixed6.9859.0326.2506.6429.0325.575-34
15 Yr Fixed-Jumbo6.4816.3536.3536.2126.0856.085-27
20 Yr Fixed-Jumbo7.0396.9356.935 
7 Yr ARM-Jumbo6.5596.4816.4816.4446.3676.367-11
5 Yr ARM-Jumbo6.5316.4536.4536.4716.3946.394-6
30 Yr Fixed-Jumbo7.0766.9966.9966.7096.6316.631-37
Used Motorcycle-60 Mo7.4210.935.597.7112.504.4929
New Motorcycle-60 Mo8.0810.935.597.4812.504.49-59
Used Motorhome-60 Mo9.3411.017.258.0815.504.44-127
New Motorhome-60 Mo8.3111.525.907.9615.504.44-35
Unsecured - 36 Mo11.4617.998.8911.3317.998.49-13
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* Represents the difference in the average rate between banks and credit unions.