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 - $10k1.023.800.012.123.680.05110
6 Mo CD - $10k1.533.950.012.744.160.05121
9 Mo CD - $10k1.693.990.012.764.400.05108
1 Yr CD - $10k1.644.080.013.044.420.10140
18 Mo CD - $10k1.343.800.013.064.350.18172
2 Yr CD - $10k1.423.920.012.994.110.10157
30 Mo CD - $10k1.073.650.013.034.580.45196
3 Yr CD - $10k1.343.940.013.004.160.10166
4 Yr CD - $10k1.364.100.013.034.210.20167
5 Yr CD - $10k1.463.920.013.084.210.10162
3 Mo CD - $100k1.053.800.012.143.680.05108
6 Mo CD - $100k1.543.950.012.814.180.05127
9 Mo CD - $100k1.743.990.012.764.400.05101
1 Yr CD - $100k1.704.080.013.074.420.10137
18 Mo CD - $100k1.373.800.013.084.470.27171
2 Yr CD - $100k1.463.920.013.014.110.10154
30 Mo CD - $100k1.103.650.012.944.500.45184
3 Yr CD - $100k1.373.940.013.004.160.10163
4 Yr CD - $100k1.384.100.013.034.210.20165
5 Yr CD - $100k1.493.920.013.114.210.10162
High Rate Checking0.662.500.013.116.000.05245
Basic Checking0.112.020.010.241.750.0113
HSA - $1k0.070.110.050.621.010.2054
HSA - $10k0.431.000.151.392.530.5095
HSA - $25k0.852.020.241.773.051.0191
IRA - 1 Year - $10k1.413.930.012.924.000.10152
IRA - 1 Year - $100k1.783.700.012.914.420.07113
IRA - Liquid - $10k0.463.630.010.504.960.013
IRA - Liquid - $100k1.383.500.010.704.080.01-68
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.383.500.010.933.690.0155
Money Market - $10k0.453.500.011.003.000.0356
High Rate Money Market - $10k1.323.690.031.873.400.2556
High Rate Money Market - $25k1.703.750.031.953.400.2525
Money Market - $25k0.583.750.011.233.000.0566
Money Market - $50k0.683.750.011.413.000.0573
High Rate Money Market - $50k1.733.750.031.983.400.2526
High Rate Money Market - $100k1.843.750.032.223.400.9037
Money Market - $100k0.894.070.011.613.250.0572
Money Market - $250k0.954.070.011.704.000.0575
High Rate Money Market - $250k1.833.750.052.293.501.0045
Money Market - $500k0.663.400.011.733.500.12106
High Rate Money Market - $500k0.250.250.252.062.791.65181
High Rate Money Market - $1 million0.250.250.252.132.791.65188
Money Market - $1 million0.723.400.011.743.500.12102
High Rate Savings0.643.300.023.377.001.40273
Regular Savings0.143.410.010.104.080.01-4
New Auto - 24 Mo6.398.494.945.138.562.99-126
New Auto - 36 Mo6.729.634.755.178.562.99-155
New Auto - 48 Mo6.739.744.755.258.563.75-148
New Auto - 60 Mo6.789.634.755.288.563.75-150
New Auto - 72 Mo6.919.634.755.488.563.75-143
New Auto - 84 Mo6.397.244.945.808.563.99-59
Used Auto - 24 Mo6.8210.034.945.418.812.99-140
Used Auto - 36 Mo6.9310.134.755.448.812.99-149
Used Auto - 48 Mo6.9810.134.755.478.813.75-151
Used Auto - 60 Mo6.9910.134.755.527.243.75-147
Used Auto - 72 Mo7.1110.034.945.707.493.75-141
Used Auto - 84 Mo6.467.834.945.947.503.99-53
Used Boat-60 Mo8.8310.167.247.4611.464.49-137
New Boat-60 Mo8.7013.254.757.5211.464.49-118
Rewards Credit Card16.7324.996.9913.3318.007.40-341
Credit Card Platinum15.9319.996.9911.9718.005.99-396
Credit Card Classic15.8229.249.0013.1918.997.99-263
Home Equity - LOC 80%7.159.505.506.688.754.99-47
Home Equity - 5 Yr 80%7.129.874.946.659.264.95-47
Home Equity - 10 Yr 80%7.459.865.046.9810.244.99-47
Home Equity - 15 Yr 80%7.469.895.247.2310.254.99-23
7 Yr ARM6.7007.7505.6256.3267.3795.000-37
3 Yr ARM6.4357.9825.2506.1178.1255.500-32
5 Yr ARM6.5177.7503.8756.1957.1255.350-32
15 Yr Fixed6.1507.7505.2506.1767.2112.5003
20 Yr Fixed6.6676.9936.0036.7837.9196.00212
30 Yr Fixed6.5678.7505.0006.6007.3753.5003
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 Mo10.1910.1910.197.1410.494.49-305
New Motorcycle-60 Mo9.7510.199.326.9210.494.49-283
Used Motorhome-60 Mo9.1110.167.247.3011.464.49-182
New Motorhome-60 Mo8.6213.254.757.5111.464.49-112
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo12.2820.906.6010.6417.005.00-164
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* Represents the difference in the average rate between banks and credit unions.