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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.423.930.011.265.000.05-16
6 Mo CD - $10k2.144.010.012.475.000.0533
9 Mo CD - $10k2.565.020.012.744.080.0118
1 Yr CD - $10k2.223.950.012.474.050.0126
18 Mo CD - $10k2.143.850.012.394.100.0125
2 Yr CD - $10k2.153.960.012.463.900.0131
30 Mo CD - $10k2.113.750.012.754.000.4064
3 Yr CD - $10k2.133.700.012.373.650.0124
4 Yr CD - $10k2.173.800.012.463.800.5529
5 Yr CD - $10k2.273.750.012.373.710.0110
3 Mo CD - $100k1.493.960.011.055.000.05-44
6 Mo CD - $100k2.224.010.012.395.000.0517
9 Mo CD - $100k2.595.020.012.744.080.0115
1 Yr CD - $100k2.294.000.012.494.350.0119
18 Mo CD - $100k2.205.050.012.334.500.0113
2 Yr CD - $100k2.213.960.012.484.000.0127
30 Mo CD - $100k2.183.900.012.774.000.4059
3 Yr CD - $100k2.203.850.012.413.820.0121
4 Yr CD - $100k2.233.850.012.483.870.5525
5 Yr CD - $100k2.333.850.012.393.920.016
High Rate Checking2.464.250.012.895.000.1043
Basic Checking0.202.950.010.345.000.0114
HSA - $1k0.050.050.050.200.200.2015
HSA - $10k0.050.050.050.300.300.3025
HSA - $25k0.050.050.050.350.350.3530
IRA - 1 Year - $10k2.103.950.032.264.000.0116
IRA - 1 Year - $100k2.394.040.042.284.000.30-11
IRA - Liquid - $10k1.484.250.010.694.000.01-79
IRA - Liquid - $100k0.832.500.010.441.300.05-39
High Rate Money Market - $2.5k   2.503.501.50 
Money Market - $2.5k0.472.500.010.773.400.1030
Money Market - $10k0.562.500.010.973.650.1041
High Rate Money Market - $10k1.033.500.081.973.500.5094
High Rate Money Market - $25k1.273.500.102.183.501.3491
Money Market - $25k0.703.060.011.173.650.1547
Money Market - $50k0.813.060.011.303.650.2049
High Rate Money Market - $50k1.523.500.102.213.501.3969
High Rate Money Market - $100k1.693.550.102.513.551.7082
Money Market - $100k1.063.250.011.503.650.2544
Money Market - $250k1.233.250.011.613.650.2538
High Rate Money Market - $250k1.903.600.102.073.600.6517
Money Market - $500k1.312.750.011.483.400.2518
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.352.750.011.513.500.2516
High Rate Savings1.263.300.041.754.000.1549
Regular Savings0.251.840.010.191.650.03-6
New Auto - 24 Mo6.458.595.444.826.093.92-163
New Auto - 36 Mo7.0811.004.254.886.243.92-220
New Auto - 48 Mo7.1311.004.254.966.244.35-217
New Auto - 60 Mo7.1811.004.255.036.244.35-215
New Auto - 72 Mo7.1610.194.255.256.294.35-191
New Auto - 84 Mo7.078.595.745.487.194.39-159
Used Auto - 24 Mo6.678.595.645.136.124.39-154
Used Auto - 36 Mo7.3511.004.505.106.244.35-225
Used Auto - 48 Mo7.3911.004.505.166.244.35-223
Used Auto - 60 Mo7.4411.004.505.216.244.35-223
Used Auto - 72 Mo7.2710.004.755.526.544.35-175
Used Auto - 84 Mo7.148.595.745.877.244.39-127
Used Boat-60 Mo7.749.295.957.0911.244.50-65
New Boat-60 Mo7.8411.004.006.8211.244.50-102
Rewards Credit Card16.8120.4910.7513.8617.748.90-295
Credit Card Platinum15.6418.499.9912.8017.498.99-283
Credit Card Classic14.6717.4911.6512.8817.997.75-179
Home Equity - LOC 80%7.4610.006.256.527.754.49-94
Home Equity - 5 Yr 80%7.2510.005.756.438.473.99-82
Home Equity - 10 Yr 80%7.369.035.996.928.735.25-44
Home Equity - 15 Yr 80%7.439.256.257.329.985.70-12
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 Mo7.317.666.955.748.744.50-157
New Motorcycle-60 Mo7.317.666.955.598.744.49-172
Used Motorhome-60 Mo7.739.295.956.848.744.50-89
New Motorhome-60 Mo7.8711.005.506.698.994.50-118
Unsecured - 36 Mo12.6821.006.7410.5914.748.25-209
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* Represents the difference in the average rate between banks and credit unions.