RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 342,602 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 - $10k1.165.500.012.005.330.0284
6 Mo CD - $10k1.545.100.012.735.000.01120
9 Mo CD - $10k1.286.910.013.119.000.01184
1 Yr CD - $10k1.725.000.013.004.590.01128
18 Mo CD - $10k1.435.500.012.975.330.01154
2 Yr CD - $10k1.534.350.012.914.550.01139
30 Mo CD - $10k1.186.910.012.904.710.05171
3 Yr CD - $10k1.405.500.012.884.600.01148
4 Yr CD - $10k1.375.500.012.904.500.05153
5 Yr CD - $10k1.425.500.012.974.500.01155
3 Mo CD - $100k1.215.500.012.055.330.0284
6 Mo CD - $100k1.605.100.012.775.000.01117
9 Mo CD - $100k1.366.910.013.149.000.01178
1 Yr CD - $100k1.785.000.013.045.150.01126
18 Mo CD - $100k1.475.500.013.005.330.01153
2 Yr CD - $100k1.594.590.012.964.550.01137
30 Mo CD - $100k1.246.910.012.924.700.05168
3 Yr CD - $100k1.455.500.012.924.600.01147
4 Yr CD - $100k1.415.500.012.924.580.05152
5 Yr CD - $100k1.465.500.013.014.550.01155
Youth/Student Checking   0.100.100.10 
High Rate Checking0.697.000.013.088.300.01239
Basic Checking0.1211.000.000.216.000.019
HSA - $1k0.231.460.010.341.010.0111
HSA - $10k0.532.020.050.502.530.01-4
HSA - $25k0.632.020.050.603.050.01-3
IRA - 1 Year - $10k1.585.000.012.984.750.01140
IRA - 1 Year - $100k1.3125.000.013.0910.650.01178
IRA - Liquid - $10k0.405.300.010.665.300.0125
IRA - Liquid - $100k0.424.700.010.735.090.0131
High Rate Money Market - $2.5k0.573.500.050.623.500.015
Money Market - $2.5k0.384.010.010.745.040.0036
Money Market - $10k0.444.010.010.844.070.0139
High Rate Money Market - $10k1.113.750.011.264.000.0114
High Rate Money Market - $25k1.144.400.011.604.000.0146
Money Market - $25k0.634.010.010.994.070.0136
Money Market - $50k0.734.010.011.155.000.0142
High Rate Money Market - $50k1.233.820.011.824.000.0159
High Rate Money Market - $100k1.413.830.012.164.000.0575
Money Market - $100k0.904.260.011.385.000.0148
Money Market - $250k1.025.000.011.525.000.0150
High Rate Money Market - $250k1.543.830.012.364.050.0582
Money Market - $500k1.194.650.011.535.000.0134
High Rate Money Market - $500k1.603.820.102.114.000.4051
High Rate Money Market - $1 million1.683.950.102.284.000.4060
Money Market - $1 million1.224.650.011.575.000.0135
Youth/Student Savings   0.665.000.02 
High Rate Savings0.715.000.022.4710.000.01175
Regular Savings0.195.010.000.197.000.001
New Auto - 24 Mo6.4211.002.004.9013.251.99-152
New Auto - 36 Mo6.9517.502.004.9213.251.99-202
New Auto - 48 Mo7.0017.502.005.0413.251.99-196
New Auto - 60 Mo7.0717.501.065.1413.251.99-193
New Auto - 72 Mo7.1313.752.655.409.501.99-173
New Auto - 84 Mo6.7911.004.295.729.951.99-107
Used Auto - 24 Mo6.5626.004.295.1210.591.99-145
Used Auto - 36 Mo7.3126.002.955.1311.001.99-218
Used Auto - 48 Mo7.3626.002.955.2511.001.99-211
Used Auto - 60 Mo7.3326.002.955.3511.001.99-198
Used Auto - 72 Mo7.2713.752.955.6113.001.99-166
Used Auto - 84 Mo6.808.994.295.9412.191.99-86
Used Boat-60 Mo8.3113.185.597.4118.002.50-91
New Boat-60 Mo8.3017.500.507.2618.002.50-104
Rewards Credit Card17.3729.745.9913.5719.951.00-380
Credit Card Platinum16.5329.742.0012.2328.991.00-430
Credit Card Classic16.0229.950.1012.7528.740.99-326
Home Equity - LOC 80%7.6116.000.256.8118.000.25-80
Home Equity - 5 Yr 80%7.3311.754.006.6111.501.00-73
Home Equity - 10 Yr 80%7.5312.492.506.9612.901.00-57
Home Equity - 15 Yr 80%7.5812.992.507.2413.001.00-34
7 Yr ARM6.3908.5001.0006.2148.5851.000-18
3 Yr ARM6.4819.7501.0006.1188.5001.000-36
5 Yr ARM6.39510.2503.8756.0598.9001.000-34
15 Yr Fixed6.13311.0002.0006.05811.7501.000-7
20 Yr Fixed6.5959.0004.6186.4228.7001.000-17
30 Yr Fixed6.58211.4504.1256.53813.2501.000-4
15 Yr Fixed-Jumbo6.3156.2966.0385.9356.9155.290-38
20 Yr Fixed-Jumbo6.7476.8076.5376.0656.3465.520-68
7 Yr ARM-Jumbo6.3896.3516.3206.2137.5035.000-18
5 Yr ARM-Jumbo6.3946.3476.3256.4186.6476.1542
3 Yr ARM-Jumbo5.8805.8145.814 
30 Yr Fixed-Jumbo6.9026.9676.1486.5767.1725.814-33
Used Motorcycle-60 Mo7.9815.224.997.1912.992.00-79
New Motorcycle-60 Mo7.9215.224.996.9512.502.00-97
Used Motorhome-60 Mo8.4415.225.957.3818.002.00-107
New Motorhome-60 Mo8.3117.501.757.2618.001.00-105
Student Loan-10 Year7.067.067.065.096.753.24-197
Unsecured - 36 Mo11.2825.175.0010.5936.001.50-68
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* Represents the difference in the average rate between banks and credit unions.