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 - $10k1.493.930.011.325.000.15-17
6 Mo CD - $10k2.164.060.012.515.000.2036
9 Mo CD - $10k2.515.000.012.844.150.0133
1 Yr CD - $10k2.264.250.012.514.100.0125
18 Mo CD - $10k2.154.100.012.434.100.0128
2 Yr CD - $10k2.264.300.012.554.200.0129
30 Mo CD - $10k2.194.050.012.874.000.5069
3 Yr CD - $10k2.214.350.012.423.750.0121
4 Yr CD - $10k2.234.400.012.563.800.6033
5 Yr CD - $10k2.324.450.012.463.820.0114
3 Mo CD - $100k1.563.960.011.125.000.15-43
6 Mo CD - $100k2.234.060.032.435.000.2020
9 Mo CD - $100k2.505.000.012.854.250.0134
1 Yr CD - $100k2.324.250.012.504.100.0117
18 Mo CD - $100k2.215.050.012.384.500.0117
2 Yr CD - $100k2.314.300.012.554.300.0124
30 Mo CD - $100k2.244.050.012.914.000.5067
3 Yr CD - $100k2.274.350.012.453.920.0118
4 Yr CD - $100k2.274.400.012.593.970.6031
5 Yr CD - $100k2.384.450.012.454.020.017
High Rate Checking2.464.250.012.855.000.1039
Basic Checking0.232.960.010.445.000.0121
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 - $10k2.164.100.022.294.100.0113
IRA - 1 Year - $100k2.054.040.032.414.100.3036
IRA - Liquid - $10k1.524.250.010.694.000.01-83
IRA - Liquid - $100k0.832.500.010.543.810.05-30
High Rate Money Market - $2.5k   2.503.501.50 
Money Market - $2.5k0.452.500.010.783.400.1032
Money Market - $10k0.532.500.010.983.650.1044
High Rate Money Market - $10k1.043.500.081.973.500.5093
High Rate Money Market - $25k1.283.500.102.183.501.3490
Money Market - $25k0.703.340.011.193.650.1549
Money Market - $50k0.833.340.011.333.650.2050
High Rate Money Market - $50k1.573.500.102.213.501.3964
High Rate Money Market - $100k1.743.550.102.513.551.7077
Money Market - $100k1.103.340.011.533.650.2543
Money Market - $250k1.273.390.011.653.650.2537
High Rate Money Market - $250k1.953.600.102.073.600.6512
Money Market - $500k1.443.400.011.493.400.255
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.483.400.011.523.500.253
High Rate Savings1.263.300.041.814.400.1555
Regular Savings0.251.840.010.191.650.03-5
New Auto - 24 Mo6.428.595.444.745.593.92-168
New Auto - 36 Mo7.0011.004.254.805.793.92-219
New Auto - 48 Mo7.0711.004.254.875.794.35-219
New Auto - 60 Mo7.1211.004.254.955.794.35-216
New Auto - 72 Mo7.1010.194.255.145.994.25-196
New Auto - 84 Mo7.038.595.745.216.194.25-182
Used Auto - 24 Mo6.648.595.645.036.124.39-161
Used Auto - 36 Mo7.2811.004.555.026.124.35-225
Used Auto - 48 Mo7.3311.004.555.086.124.35-225
Used Auto - 60 Mo7.4011.004.555.146.004.35-227
Used Auto - 72 Mo7.169.104.855.396.244.35-177
Used Auto - 84 Mo7.148.595.745.607.244.39-154
Used Boat-60 Mo7.749.295.957.1111.244.75-63
New Boat-60 Mo7.8211.004.006.7511.244.75-106
Rewards Credit Card16.8019.4910.7513.7317.748.90-307
Credit Card Platinum15.6918.499.9912.9518.998.99-274
Credit Card Classic14.4217.4911.4912.7417.997.75-168
Home Equity - LOC 80%7.2910.003.256.647.755.13-66
Home Equity - 5 Yr 80%7.2710.005.746.518.743.99-76
Home Equity - 10 Yr 80%7.429.036.137.048.945.25-38
Home Equity - 15 Yr 80%7.479.256.357.449.985.70-3
7 Yr ARM6.6417.3005.3756.1906.5335.500-45
3 Yr ARM6.4727.0005.5506.2006.5056.000-27
5 Yr ARM6.7748.1535.7506.1938.1325.240-58
15 Yr Fixed6.1216.7505.0006.1136.6955.470-1
20 Yr Fixed6.7426.9276.4166.5037.1365.345-24
30 Yr Fixed6.5607.2505.7506.4887.1255.750-7
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 Mo7.317.666.955.607.194.74-171
New Motorcycle-60 Mo7.317.666.955.447.194.59-187
Used Motorhome-60 Mo7.739.295.956.928.744.75-81
New Motorhome-60 Mo7.8511.005.756.648.994.75-121
Unsecured - 36 Mo12.5919.006.7410.5414.748.25-205
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* Represents the difference in the average rate between banks and credit unions.