RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 financial institution locations in 19,713 markets across the United States as of 5/26/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.203.740.012.095.330.0589
6 Mo CD - $10k1.743.950.012.469.000.1172
9 Mo CD - $10k2.033.870.013.195.330.50116
1 Yr CD - $10k1.833.900.013.034.000.05120
18 Mo CD - $10k1.783.730.013.065.330.60128
2 Yr CD - $10k1.743.680.012.954.000.05121
30 Mo CD - $10k1.633.680.012.903.751.69127
3 Yr CD - $10k1.703.680.012.934.050.05123
4 Yr CD - $10k1.693.680.012.934.200.05125
5 Yr CD - $10k1.813.680.013.024.180.55121
3 Mo CD - $100k1.253.740.012.375.330.05113
6 Mo CD - $100k1.833.950.012.479.000.1164
9 Mo CD - $100k2.043.870.013.225.330.50119
1 Yr CD - $100k1.943.900.013.044.000.05111
18 Mo CD - $100k1.863.730.013.085.330.60122
2 Yr CD - $100k1.793.680.012.994.000.05120
30 Mo CD - $100k1.663.680.012.933.801.69127
3 Yr CD - $100k1.733.680.012.974.050.05123
4 Yr CD - $100k1.703.680.012.954.100.05125
5 Yr CD - $100k1.833.680.013.064.180.55123
High Rate Checking0.040.080.012.856.000.05281
Basic Checking0.101.240.010.205.250.0111
IRA - 1 Year - $10k1.783.900.012.924.750.01114
IRA - 1 Year - $100k2.213.900.013.204.800.0199
IRA - Liquid - $10k0.583.250.010.584.080.010
IRA - Liquid - $100k0.391.260.010.844.080.0145
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.432.520.010.764.000.0433
Money Market - $10k0.502.520.010.833.440.0133
High Rate Money Market - $10k0.080.500.010.942.670.2587
High Rate Money Market - $25k0.613.440.031.163.150.0555
Money Market - $25k0.582.520.011.113.440.0352
Money Market - $50k0.713.000.011.243.440.0554
High Rate Money Market - $50k0.823.440.051.913.200.05110
High Rate Money Market - $100k0.973.440.142.403.250.05143
Money Market - $100k0.983.000.011.423.500.0544
Money Market - $250k1.083.000.011.603.810.0552
High Rate Money Market - $250k1.013.440.142.423.350.05141
Money Market - $500k0.912.290.011.524.000.0560
High Rate Money Market - $500k   2.082.401.75 
High Rate Money Market - $1 million   2.182.401.95 
Money Market - $1 million1.003.000.011.664.000.0566
High Rate Savings1.573.200.023.255.002.00168
Regular Savings0.213.550.010.254.890.014
New Auto - 24 Mo6.028.994.944.756.992.99-127
New Auto - 36 Mo6.8711.753.554.916.992.99-195
New Auto - 48 Mo6.9011.753.555.116.993.99-179
New Auto - 60 Mo6.9211.753.755.256.993.99-167
New Auto - 72 Mo6.9512.503.755.567.994.15-139
New Auto - 84 Mo6.258.994.945.988.494.49-28
Used Auto - 24 Mo6.158.994.945.076.992.99-108
Used Auto - 36 Mo7.2112.503.995.137.252.99-208
Used Auto - 48 Mo7.2612.504.245.317.253.99-195
Used Auto - 60 Mo7.3012.504.395.457.253.99-185
Used Auto - 72 Mo7.018.634.505.717.494.29-130
Used Auto - 84 Mo6.398.994.946.178.494.49-22
Used Boat-60 Mo6.848.055.998.1314.494.49129
New Boat-60 Mo8.6911.505.697.3613.494.49-133
Rewards Credit Card16.9619.499.9913.5618.007.90-340
Credit Card Platinum15.8428.998.9912.4318.007.90-341
Credit Card Classic15.6220.999.7413.0818.007.99-254
Home Equity - LOC 80%7.448.596.246.849.503.99-59
Home Equity - 5 Yr 80%6.817.895.126.639.903.75-18
Home Equity - 10 Yr 80%7.188.505.627.0012.905.49-18
Home Equity - 15 Yr 80%7.278.635.877.3013.005.493
7 Yr ARM6.7437.6255.7506.3047.4385.125-44
3 Yr ARM6.6526.7906.2506.4208.1254.625-23
5 Yr ARM6.6187.5005.6256.1347.3344.875-48
15 Yr Fixed6.3909.2505.2506.1277.6305.125-26
20 Yr Fixed6.4866.6366.0196.5637.1005.6158
30 Yr Fixed6.7327.6405.7506.4767.0805.250-26
15 Yr Fixed-Jumbo6.3306.2156.215 
20 Yr Fixed-Jumbo6.6116.5196.519 
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.932 
Used Motorcycle-60 Mo7.497.497.497.6012.994.4911
New Motorcycle-60 Mo7.497.497.497.3312.394.49-16
Used Motorhome-60 Mo6.857.836.248.0314.494.49117
New Motorhome-60 Mo8.7211.505.697.2913.994.49-143
Unsecured - 36 Mo11.8717.006.749.9118.006.09-196
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* Represents the difference in the average rate between banks and credit unions.