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 - $10k1.463.930.011.255.000.15-20
6 Mo CD - $10k2.144.010.012.495.000.2035
9 Mo CD - $10k2.435.020.012.824.080.0140
1 Yr CD - $10k2.234.000.012.454.100.0122
18 Mo CD - $10k2.144.180.012.404.100.0125
2 Yr CD - $10k2.234.060.012.443.900.0121
30 Mo CD - $10k2.154.000.012.964.000.5081
3 Yr CD - $10k2.204.000.012.393.710.0120
4 Yr CD - $10k2.214.000.012.503.800.6030
5 Yr CD - $10k2.304.000.012.413.820.0111
3 Mo CD - $100k1.533.960.011.045.000.15-49
6 Mo CD - $100k2.224.050.032.425.000.2020
9 Mo CD - $100k2.455.020.012.834.080.0138
1 Yr CD - $100k2.304.100.012.454.350.0115
18 Mo CD - $100k2.225.050.012.344.500.0113
2 Yr CD - $100k2.274.100.012.474.000.0120
30 Mo CD - $100k2.224.050.013.004.000.5078
3 Yr CD - $100k2.264.000.012.443.920.0118
4 Yr CD - $100k2.254.000.012.523.970.6027
5 Yr CD - $100k2.364.000.012.434.020.017
High Rate Checking2.464.250.012.855.000.1039
Basic Checking0.232.960.010.355.000.0112
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 - $10k2.113.950.032.184.100.018
IRA - 1 Year - $100k2.074.040.032.334.100.3026
IRA - Liquid - $10k1.504.250.010.694.000.01-81
IRA - Liquid - $100k0.832.500.010.583.810.05-26
High Rate Money Market - $2.5k   2.503.501.50 
Money Market - $2.5k0.452.500.010.783.400.1032
Money Market - $10k0.542.500.010.973.650.1043
High Rate Money Market - $10k1.033.500.081.973.500.5094
High Rate Money Market - $25k1.273.500.102.183.501.3491
Money Market - $25k0.683.340.011.193.650.1550
Money Market - $50k0.823.340.011.323.650.2050
High Rate Money Market - $50k1.523.500.102.213.501.3969
High Rate Money Market - $100k1.693.550.102.513.551.7082
Money Market - $100k1.073.340.011.513.650.2044
Money Market - $250k1.253.390.011.623.650.2038
High Rate Money Market - $250k1.903.600.102.073.600.6517
Money Market - $500k1.443.400.011.483.400.204
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.493.400.011.513.500.202
High Rate Savings1.263.300.021.754.000.1549
Regular Savings0.251.990.010.191.650.03-6
New Auto - 24 Mo6.408.595.144.806.093.92-160
New Auto - 36 Mo7.0311.004.254.866.243.92-216
New Auto - 48 Mo7.0911.004.254.956.244.35-214
New Auto - 60 Mo7.1611.004.255.026.244.35-214
New Auto - 72 Mo7.1310.194.255.236.294.35-190
New Auto - 84 Mo7.038.595.745.447.194.39-159
Used Auto - 24 Mo6.618.595.345.086.124.39-153
Used Auto - 36 Mo7.3111.004.505.096.244.35-222
Used Auto - 48 Mo7.3511.004.505.156.244.35-221
Used Auto - 60 Mo7.4111.004.505.206.244.35-221
Used Auto - 72 Mo7.269.104.755.496.294.35-177
Used Auto - 84 Mo7.148.595.745.797.244.39-135
Used Boat-60 Mo7.749.295.957.0911.244.50-66
New Boat-60 Mo7.7811.004.006.8211.244.50-96
Rewards Credit Card16.8119.4910.7513.7317.748.90-308
Credit Card Platinum15.6318.499.9912.8017.498.99-284
Credit Card Classic14.6017.4911.6512.7417.997.75-186
Home Equity - LOC 80%7.3910.006.246.647.755.38-75
Home Equity - 5 Yr 80%7.2710.005.746.428.473.99-85
Home Equity - 10 Yr 80%7.409.035.996.958.735.25-44
Home Equity - 15 Yr 80%7.489.256.207.289.985.70-20
7 Yr ARM6.5977.3005.3756.0966.4885.500-50
3 Yr ARM6.4657.0005.5506.0036.3815.750-46
5 Yr ARM6.7078.0005.5006.1088.1325.240-60
15 Yr Fixed6.0406.8755.0005.9806.6255.250-6
20 Yr Fixed6.5466.7926.2906.3306.7575.345-22
30 Yr Fixed6.4727.2505.7506.3587.1255.750-11
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 Mo7.317.666.955.557.194.50-175
New Motorcycle-60 Mo7.317.666.955.417.194.49-190
Used Motorhome-60 Mo7.739.295.956.908.744.50-83
New Motorhome-60 Mo7.8211.005.756.708.994.50-112
Unsecured - 36 Mo12.5819.006.7410.5814.748.25-200
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* Represents the difference in the average rate between banks and credit unions.