RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 financial institution locations in 19,713 markets across the United States as of 5/26/2026.

Sort by Product  / State

Arizona

National
Alabama
Alaska
American Soma
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 - $10k1.403.850.012.565.330.10116
6 Mo CD - $10k2.024.000.013.249.000.15122
9 Mo CD - $10k1.734.090.013.695.332.85196
1 Yr CD - $10k2.083.940.013.374.000.30129
18 Mo CD - $10k1.753.940.013.315.330.80156
2 Yr CD - $10k1.844.000.013.284.290.45144
30 Mo CD - $10k1.704.000.013.454.712.85175
3 Yr CD - $10k1.703.750.013.154.290.60146
4 Yr CD - $10k1.663.750.013.074.200.95141
5 Yr CD - $10k1.823.840.013.164.101.10135
3 Mo CD - $100k1.433.850.012.625.330.10119
6 Mo CD - $100k2.104.000.013.299.000.15119
9 Mo CD - $100k1.784.090.013.475.331.00169
1 Yr CD - $100k2.124.000.013.424.030.35130
18 Mo CD - $100k1.793.940.013.375.330.80158
2 Yr CD - $100k1.874.000.013.334.290.50146
30 Mo CD - $100k1.724.000.013.414.052.85168
3 Yr CD - $100k1.743.750.013.224.290.65148
4 Yr CD - $100k1.673.750.013.134.051.00146
5 Yr CD - $100k1.853.840.013.244.101.10139
High Rate Checking0.833.250.012.294.000.10147
Basic Checking0.080.720.000.132.000.014
IRA - 1 Year - $10k1.884.250.013.434.250.35155
IRA - 1 Year - $100k1.643.550.013.454.250.70182
IRA - Liquid - $10k0.704.750.011.105.300.0240
IRA - Liquid - $100k0.813.560.010.874.080.036
High Rate Money Market - $2.5k0.611.250.150.250.250.25-36
Money Market - $2.5k0.423.060.010.783.150.0536
Money Market - $10k0.493.060.010.853.150.1036
High Rate Money Market - $10k0.421.250.050.300.350.25-12
High Rate Money Market - $25k0.633.350.051.033.150.2539
Money Market - $25k0.653.300.010.983.150.1033
Money Market - $50k0.733.300.011.203.250.1047
High Rate Money Market - $50k0.653.350.051.313.200.2566
High Rate Money Market - $100k0.973.350.071.933.250.5096
Money Market - $100k0.933.300.011.483.250.1055
Money Market - $250k1.143.300.011.703.450.1056
High Rate Money Market - $250k0.972.860.071.983.350.50101
Money Market - $500k0.963.250.051.633.450.1067
High Rate Money Market - $500k1.892.650.251.751.751.75-14
High Rate Money Market - $1 million1.922.800.251.951.951.953
Money Market - $1 million1.053.250.051.663.900.1062
High Rate Savings0.773.000.022.894.250.10212
Regular Savings0.243.940.010.334.890.019
New Auto - 24 Mo6.898.595.445.248.953.34-165
New Auto - 36 Mo6.659.004.955.348.953.34-131
New Auto - 48 Mo6.709.004.955.468.954.09-124
New Auto - 60 Mo6.679.005.155.528.954.09-114
New Auto - 72 Mo6.799.355.445.788.954.34-101
New Auto - 84 Mo7.598.595.586.059.954.49-153
Used Auto - 24 Mo7.3810.035.585.378.953.84-201
Used Auto - 36 Mo6.859.964.955.478.953.84-138
Used Auto - 48 Mo6.799.604.955.608.954.44-120
Used Auto - 60 Mo6.769.605.155.668.954.49-110
Used Auto - 72 Mo6.819.605.445.938.954.49-88
Used Auto - 84 Mo7.638.785.586.219.954.49-142
Used Boat-60 Mo8.6311.015.598.0211.504.49-61
New Boat-60 Mo8.2211.525.597.9311.504.49-29
Rewards Credit Card17.4729.9011.7414.2117.996.99-326
Credit Card Platinum15.8418.743.1012.4217.743.10-342
Credit Card Classic16.1324.9911.7513.7617.248.99-237
Home Equity - LOC 80%7.538.984.997.028.503.99-51
Home Equity - 5 Yr 80%7.7710.616.196.689.183.99-109
Home Equity - 10 Yr 80%7.8710.616.196.779.273.99-110
Home Equity - 15 Yr 80%7.8810.616.197.099.273.99-79
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo7.2610.195.597.7012.504.4945
New Motorcycle-60 Mo7.2610.195.597.4512.504.4920
Used Motorhome-60 Mo9.3311.017.257.9711.504.44-136
New Motorhome-60 Mo8.3911.525.907.7911.504.44-60
Unsecured - 36 Mo11.3717.996.9911.2217.997.90-15
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.