RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 342,619 financial institution locations in 19,713 markets across the United States as of 7/13/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.193.700.011.995.330.0580
6 Mo CD - $10k1.743.870.012.424.180.1168
9 Mo CD - $10k2.023.870.013.269.000.50124
1 Yr CD - $10k1.904.060.013.034.180.05113
18 Mo CD - $10k1.783.970.013.065.330.60128
2 Yr CD - $10k1.803.970.012.964.180.05116
30 Mo CD - $10k1.613.680.012.943.751.83133
3 Yr CD - $10k1.743.680.012.944.180.05120
4 Yr CD - $10k1.723.680.012.954.200.05124
5 Yr CD - $10k1.843.680.013.034.280.55119
3 Mo CD - $100k1.243.750.012.285.330.05103
6 Mo CD - $100k1.823.870.012.434.180.1161
9 Mo CD - $100k2.023.870.013.299.000.50127
1 Yr CD - $100k2.014.060.013.044.180.05104
18 Mo CD - $100k1.883.970.013.095.330.60121
2 Yr CD - $100k1.853.970.012.994.180.05114
30 Mo CD - $100k1.663.680.012.973.801.83132
3 Yr CD - $100k1.763.680.012.984.180.05122
4 Yr CD - $100k1.743.680.012.974.200.05123
5 Yr CD - $100k1.863.680.013.074.280.55121
High Rate Checking0.040.080.012.856.000.05281
Basic Checking0.101.240.010.215.250.0111
IRA - 1 Year - $10k1.794.060.012.904.750.01111
IRA - 1 Year - $100k2.044.000.013.194.800.01116
IRA - Liquid - $10k0.442.880.010.594.080.0115
IRA - Liquid - $100k0.391.260.010.804.080.0141
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.463.000.010.754.000.0429
Money Market - $10k0.553.000.010.823.440.0127
High Rate Money Market - $10k0.080.500.010.942.570.2586
High Rate Money Market - $25k0.301.610.031.153.150.0585
Money Market - $25k0.623.000.011.103.440.0349
Money Market - $50k0.743.000.011.243.440.0550
High Rate Money Market - $50k0.513.110.051.913.200.05140
High Rate Money Market - $100k0.663.110.072.393.250.05173
Money Market - $100k1.043.150.011.423.500.0538
Money Market - $250k1.143.250.011.603.810.0545
High Rate Money Market - $250k0.703.110.072.413.350.05171
Money Market - $500k1.062.290.011.514.000.0545
High Rate Money Market - $500k   2.082.401.75 
High Rate Money Market - $1 million   2.182.401.95 
Money Market - $1 million1.143.000.011.654.000.0551
High Rate Savings1.513.000.023.255.002.00174
Regular Savings0.243.550.010.254.890.011
New Auto - 24 Mo5.978.994.944.736.992.99-125
New Auto - 36 Mo6.8311.753.554.866.992.99-197
New Auto - 48 Mo6.8411.753.555.076.993.99-177
New Auto - 60 Mo6.9211.753.755.226.993.99-170
New Auto - 72 Mo6.9212.503.755.527.994.15-139
New Auto - 84 Mo6.258.994.945.948.494.49-32
Used Auto - 24 Mo6.108.994.945.056.992.99-105
Used Auto - 36 Mo7.1912.503.995.097.252.99-210
Used Auto - 48 Mo7.2712.504.245.297.253.99-197
Used Auto - 60 Mo7.2812.504.395.447.253.99-185
Used Auto - 72 Mo6.998.634.505.727.494.29-127
Used Auto - 84 Mo6.398.994.946.158.494.49-24
Used Boat-60 Mo7.138.056.098.2014.494.49108
New Boat-60 Mo8.7311.505.697.3713.494.49-137
Rewards Credit Card16.9819.999.9913.5718.007.90-341
Credit Card Platinum15.9529.748.9912.4218.007.90-353
Credit Card Classic15.6220.999.7413.0218.007.99-259
Home Equity - LOC 80%7.419.326.246.849.503.99-57
Home Equity - 5 Yr 80%6.939.245.126.649.903.75-29
Home Equity - 10 Yr 80%7.208.505.627.0112.905.49-18
Home Equity - 15 Yr 80%7.328.635.877.3213.005.490
7 Yr ARM6.6727.6255.7506.4267.5245.342-25
3 Yr ARM6.7616.7906.5006.4828.1254.875-28
5 Yr ARM6.6087.5005.6256.2137.4584.999-39
15 Yr Fixed6.4149.2505.2506.1637.6305.143-25
20 Yr Fixed6.4846.6646.0036.5157.1525.6153
30 Yr Fixed6.7757.6405.7506.5497.0205.567-23
15 Yr Fixed-Jumbo6.3156.2026.202 
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.844 
Used Motorcycle-60 Mo7.497.497.497.6712.994.4918
New Motorcycle-60 Mo7.497.497.497.3812.394.49-11
Used Motorhome-60 Mo7.147.836.348.0014.494.4986
New Motorhome-60 Mo8.7811.505.697.2913.994.49-149
Unsecured - 36 Mo11.8217.006.749.9318.006.09-190
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* Represents the difference in the average rate between banks and credit unions.