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 - $10k1.053.800.012.123.680.05108
6 Mo CD - $10k1.534.170.012.754.160.05122
9 Mo CD - $10k1.743.990.012.744.400.05100
1 Yr CD - $10k1.704.170.013.074.420.10137
18 Mo CD - $10k1.374.250.013.084.070.18171
2 Yr CD - $10k1.414.250.013.034.250.10162
30 Mo CD - $10k1.053.650.013.044.580.45200
3 Yr CD - $10k1.364.300.013.064.160.10170
4 Yr CD - $10k1.354.000.013.084.210.20173
5 Yr CD - $10k1.454.350.013.124.210.10167
3 Mo CD - $100k1.053.800.012.143.680.05109
6 Mo CD - $100k1.524.170.012.824.180.05130
9 Mo CD - $100k1.783.990.012.714.400.0594
1 Yr CD - $100k1.754.170.013.104.420.10135
18 Mo CD - $100k1.414.250.013.104.470.27168
2 Yr CD - $100k1.434.250.013.054.250.10161
30 Mo CD - $100k1.073.650.012.964.500.45189
3 Yr CD - $100k1.394.300.013.054.160.10166
4 Yr CD - $100k1.374.000.013.074.210.20170
5 Yr CD - $100k1.484.350.013.144.210.10167
High Rate Checking0.662.500.013.116.000.05245
Basic Checking0.112.020.010.241.750.0113
HSA - $1k0.110.150.060.621.010.2051
HSA - $10k0.471.000.151.392.530.5092
HSA - $25k0.852.020.241.703.050.7585
IRA - 1 Year - $10k1.474.170.012.954.100.10148
IRA - 1 Year - $100k1.814.100.012.994.420.07117
IRA - Liquid - $10k0.433.860.010.494.080.016
IRA - Liquid - $100k1.383.500.010.704.080.01-67
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.373.450.010.943.690.0157
Money Market - $10k0.453.500.011.023.000.0356
High Rate Money Market - $10k1.413.690.031.873.400.2546
High Rate Money Market - $25k1.763.750.031.983.400.2522
Money Market - $25k0.603.750.011.243.000.0564
Money Market - $50k0.683.750.011.413.000.0573
High Rate Money Market - $50k1.793.750.031.983.400.2519
High Rate Money Market - $100k1.953.750.032.223.400.9026
Money Market - $100k0.903.800.011.613.250.0571
Money Market - $250k0.973.800.011.704.000.0574
High Rate Money Market - $250k1.943.750.052.293.501.0034
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 Savings0.593.300.023.377.001.40278
Regular Savings0.143.410.010.134.080.01-1
New Auto - 24 Mo6.328.114.945.038.562.00-129
New Auto - 36 Mo6.729.634.755.148.562.99-159
New Auto - 48 Mo6.759.744.755.228.563.70-153
New Auto - 60 Mo6.809.634.755.268.563.75-155
New Auto - 72 Mo6.939.634.755.468.563.75-148
New Auto - 84 Mo6.407.514.945.768.563.99-65
Used Auto - 24 Mo6.588.174.945.358.812.50-123
Used Auto - 36 Mo6.9410.134.755.428.812.99-152
Used Auto - 48 Mo6.9810.134.755.468.813.70-152
Used Auto - 60 Mo6.9910.134.755.507.243.75-149
Used Auto - 72 Mo7.069.254.945.707.493.75-136
Used Auto - 84 Mo6.487.834.945.937.494.49-54
Used Boat-60 Mo8.8510.167.247.5011.464.49-135
New Boat-60 Mo8.7313.254.757.5011.464.49-123
Rewards Credit Card16.8024.996.9913.3418.007.40-346
Credit Card Platinum15.9519.996.9911.9018.005.99-406
Credit Card Classic15.8229.249.0013.1818.997.99-264
Home Equity - LOC 80%7.129.505.246.708.754.99-42
Home Equity - 5 Yr 80%7.139.874.946.669.264.89-47
Home Equity - 10 Yr 80%7.459.865.046.9810.244.99-47
Home Equity - 15 Yr 80%7.409.895.247.2210.254.99-18
7 Yr ARM6.7667.7505.8756.3477.3795.000-42
3 Yr ARM6.4677.9825.2506.1218.1255.250-35
5 Yr ARM6.6138.1533.8756.1897.0435.250-42
15 Yr Fixed6.2308.0005.2506.2877.2112.5006
20 Yr Fixed6.7386.9936.1296.8467.9196.00211
30 Yr Fixed6.6338.7505.6256.7337.7503.50010
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 Mo10.9310.9310.937.1910.494.49-374
New Motorcycle-60 Mo10.1210.939.326.9810.494.49-314
Used Motorhome-60 Mo9.1410.167.247.3511.464.49-179
New Motorhome-60 Mo8.6513.254.757.5011.464.49-115
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo12.2520.906.6010.6617.005.00-158
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* Represents the difference in the average rate between banks and credit unions.