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 - $10k1.173.700.011.975.330.0580
6 Mo CD - $10k1.764.110.012.434.180.1168
9 Mo CD - $10k2.054.210.013.269.000.50121
1 Yr CD - $10k1.934.250.013.044.180.05111
18 Mo CD - $10k1.764.160.013.075.330.60131
2 Yr CD - $10k1.794.160.012.984.200.05118
30 Mo CD - $10k1.593.680.013.054.151.83146
3 Yr CD - $10k1.733.680.012.964.250.05123
4 Yr CD - $10k1.703.680.012.974.300.05126
5 Yr CD - $10k1.823.680.013.054.380.55123
3 Mo CD - $100k1.233.750.012.295.330.05106
6 Mo CD - $100k1.764.110.012.444.180.1168
9 Mo CD - $100k2.064.210.013.299.000.50124
1 Yr CD - $100k1.954.250.013.064.180.05111
18 Mo CD - $100k1.814.160.013.105.330.60129
2 Yr CD - $100k1.844.160.013.014.200.05116
30 Mo CD - $100k1.653.680.013.094.151.83144
3 Yr CD - $100k1.743.680.013.004.250.05126
4 Yr CD - $100k1.743.680.012.994.300.05125
5 Yr CD - $100k1.853.680.013.094.380.55124
High Rate Checking0.040.080.012.856.000.05281
Basic Checking0.101.240.010.315.250.0121
IRA - 1 Year - $10k1.824.250.012.944.750.17112
IRA - 1 Year - $100k1.794.000.013.324.800.25152
IRA - Liquid - $10k0.482.880.010.604.080.0112
IRA - Liquid - $100k0.391.260.010.834.080.0144
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.443.000.010.764.000.0432
Money Market - $10k0.523.000.010.823.440.0130
High Rate Money Market - $10k0.090.500.010.822.570.2573
High Rate Money Market - $25k0.331.630.031.283.150.2595
Money Market - $25k0.603.000.011.113.440.0350
Money Market - $50k0.743.000.011.243.440.0550
High Rate Money Market - $50k0.563.130.052.113.200.25156
High Rate Money Market - $100k0.723.130.072.653.251.50193
Money Market - $100k1.043.150.011.423.500.0539
Money Market - $250k1.143.250.011.603.810.0545
High Rate Money Market - $250k0.763.130.072.673.351.55192
Money Market - $500k0.982.290.011.524.000.0555
High Rate Money Market - $500k   2.082.401.75 
High Rate Money Market - $1 million   2.182.401.95 
Money Market - $1 million1.053.000.011.674.000.0562
High Rate Savings1.333.000.023.405.002.00207
Regular Savings0.243.550.010.254.890.011
New Auto - 24 Mo6.028.994.944.686.992.99-134
New Auto - 36 Mo6.8411.753.554.856.992.99-199
New Auto - 48 Mo6.9011.753.555.066.993.75-183
New Auto - 60 Mo6.9511.753.755.216.993.75-174
New Auto - 72 Mo6.9612.503.755.527.993.75-144
New Auto - 84 Mo6.308.994.945.918.494.49-39
Used Auto - 24 Mo6.158.994.945.026.992.99-113
Used Auto - 36 Mo7.2312.503.995.087.252.99-215
Used Auto - 48 Mo7.2912.504.245.307.253.75-199
Used Auto - 60 Mo7.3312.504.395.447.253.75-189
Used Auto - 72 Mo7.138.994.505.727.493.75-141
Used Auto - 84 Mo6.458.994.946.158.494.49-31
Used Boat-60 Mo7.138.056.098.1514.744.49102
New Boat-60 Mo8.7111.505.697.4213.744.49-129
Rewards Credit Card16.9219.999.9913.6618.007.90-326
Credit Card Platinum15.9329.748.9912.4618.007.90-348
Credit Card Classic15.6320.999.7413.1018.007.99-253
Home Equity - LOC 80%7.419.326.246.889.503.99-53
Home Equity - 5 Yr 80%6.847.895.126.669.903.75-18
Home Equity - 10 Yr 80%7.198.505.627.0312.905.50-16
Home Equity - 15 Yr 80%7.278.635.877.3413.005.747
7 Yr ARM6.7457.6255.8756.4327.5725.342-31
3 Yr ARM6.7646.7906.5006.5398.1255.125-22
5 Yr ARM6.6007.5005.6256.2847.5434.999-32
15 Yr Fixed6.4489.2505.2506.3067.6305.143-14
20 Yr Fixed6.6646.9186.1296.6967.5005.6153
30 Yr Fixed6.7887.6405.7506.7417.5005.875-5
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo7.497.497.497.5413.244.495
New Motorcycle-60 Mo7.497.497.497.2812.644.49-21
Used Motorhome-60 Mo7.147.836.347.9914.744.4986
New Motorhome-60 Mo8.7511.505.697.3614.244.49-140
Unsecured - 36 Mo11.9017.006.749.8818.006.09-202
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* Represents the difference in the average rate between banks and credit unions.