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 - $10k1.023.800.012.103.750.05108
6 Mo CD - $10k1.503.930.012.704.160.05121
9 Mo CD - $10k1.705.000.012.774.400.05107
1 Yr CD - $10k1.594.230.013.024.420.10142
18 Mo CD - $10k1.323.800.013.034.020.18171
2 Yr CD - $10k1.423.920.012.944.110.10152
30 Mo CD - $10k1.083.650.012.954.580.45187
3 Yr CD - $10k1.323.950.012.954.110.10163
4 Yr CD - $10k1.374.100.013.004.200.20164
5 Yr CD - $10k1.463.920.013.034.050.10158
3 Mo CD - $100k1.043.800.012.123.750.05108
6 Mo CD - $100k1.513.930.012.784.180.05127
9 Mo CD - $100k1.755.000.012.774.400.05102
1 Yr CD - $100k1.644.000.013.054.420.10141
18 Mo CD - $100k1.373.800.013.064.470.27169
2 Yr CD - $100k1.463.920.012.964.110.10150
30 Mo CD - $100k1.103.650.012.884.500.45177
3 Yr CD - $100k1.353.950.012.954.110.10161
4 Yr CD - $100k1.384.100.013.004.060.20162
5 Yr CD - $100k1.493.920.013.064.050.10157
High Rate Checking0.662.500.013.116.000.05245
Basic Checking0.112.020.010.231.750.0112
HSA - $1k0.070.110.050.571.010.2050
HSA - $10k0.431.000.151.352.530.5091
HSA - $25k0.852.020.241.693.051.0184
IRA - 1 Year - $10k1.404.250.012.904.000.10150
IRA - 1 Year - $100k2.053.700.012.874.420.0783
IRA - Liquid - $10k0.463.650.010.494.960.013
IRA - Liquid - $100k1.383.500.010.704.080.01-68
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.394.180.010.923.690.0153
Money Market - $10k0.464.180.011.003.150.0355
High Rate Money Market - $10k1.273.750.031.913.400.2564
High Rate Money Market - $25k1.673.750.031.983.400.2531
Money Market - $25k0.594.430.011.233.150.0565
Money Market - $50k0.684.430.011.413.150.0574
High Rate Money Market - $50k1.673.690.032.043.400.2537
High Rate Money Market - $100k1.813.750.032.283.400.9047
Money Market - $100k0.884.430.011.613.400.0573
Money Market - $250k0.944.430.011.704.000.0576
High Rate Money Market - $250k1.833.750.052.363.651.0053
Money Market - $500k0.562.270.011.733.650.12116
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 million0.622.270.011.743.650.12112
High Rate Savings0.663.400.023.407.001.40274
Regular Savings0.153.410.010.104.080.01-5
New Auto - 24 Mo6.358.494.945.148.563.50-120
New Auto - 36 Mo6.719.634.755.188.563.50-154
New Auto - 48 Mo6.729.634.755.258.563.75-147
New Auto - 60 Mo6.789.634.755.298.563.75-149
New Auto - 72 Mo6.929.634.755.498.562.90-143
New Auto - 84 Mo6.457.244.945.838.563.99-62
Used Auto - 24 Mo6.8510.034.945.428.813.50-143
Used Auto - 36 Mo6.9010.134.755.458.813.50-144
Used Auto - 48 Mo6.9410.134.755.488.813.75-146
Used Auto - 60 Mo6.9610.134.755.547.243.75-142
Used Auto - 72 Mo7.1010.034.945.747.493.75-137
Used Auto - 84 Mo6.527.834.945.947.503.99-58
Used Boat-60 Mo8.6410.166.497.4711.464.49-118
New Boat-60 Mo8.6413.254.757.5011.464.49-114
Rewards Credit Card16.7524.996.9913.3218.007.40-343
Credit Card Platinum15.9419.996.9911.9518.005.99-399
Credit Card Classic15.7829.249.0013.2318.997.99-255
Home Equity - LOC 80%7.149.505.246.718.754.99-43
Home Equity - 5 Yr 80%7.129.874.946.659.264.95-47
Home Equity - 10 Yr 80%7.499.865.046.9810.244.99-50
Home Equity - 15 Yr 80%7.499.895.247.2610.254.99-23
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 Mo10.1910.1910.197.1510.494.49-304
New Motorcycle-60 Mo9.7510.199.326.9310.494.49-282
Used Motorhome-60 Mo8.8610.166.497.2911.464.49-157
New Motorhome-60 Mo8.5513.254.757.5111.464.49-104
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo12.1220.906.4910.6418.005.00-147
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* Represents the difference in the average rate between banks and credit unions.