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.

Sort by Product  / State

National

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.155.500.012.005.330.0285
6 Mo CD - $10k1.515.270.012.739.000.01121
9 Mo CD - $10k1.266.910.013.075.330.01180
1 Yr CD - $10k1.685.000.012.974.590.01129
18 Mo CD - $10k1.425.500.012.945.330.01152
2 Yr CD - $10k1.514.580.012.884.550.01137
30 Mo CD - $10k1.186.910.012.854.710.05167
3 Yr CD - $10k1.395.500.012.844.600.01145
4 Yr CD - $10k1.365.500.012.864.520.05150
5 Yr CD - $10k1.415.500.012.934.500.01152
3 Mo CD - $100k1.195.500.012.045.330.0285
6 Mo CD - $100k1.575.270.012.769.000.01118
9 Mo CD - $100k1.346.910.013.095.330.01175
1 Yr CD - $100k1.745.000.013.015.150.01127
18 Mo CD - $100k1.465.500.012.975.330.01151
2 Yr CD - $100k1.574.590.012.924.550.01135
30 Mo CD - $100k1.236.910.012.884.700.05165
3 Yr CD - $100k1.445.500.012.884.600.01145
4 Yr CD - $100k1.405.500.012.894.580.05149
5 Yr CD - $100k1.455.500.012.974.550.01151
Youth/Student Checking   0.100.100.10 
High Rate Checking0.707.000.013.078.300.01238
Basic Checking0.1211.000.000.216.000.0110
HSA - $1k0.050.110.010.271.010.0121
HSA - $10k0.501.250.050.452.530.01-5
HSA - $25k0.472.020.050.563.050.019
IRA - 1 Year - $10k1.565.000.012.964.750.01140
IRA - 1 Year - $100k1.694.450.013.0610.650.01136
IRA - Liquid - $10k0.404.750.010.655.300.0126
IRA - Liquid - $100k0.444.700.010.735.090.0129
High Rate Money Market - $2.5k0.593.500.050.623.500.013
Money Market - $2.5k0.384.250.010.735.040.0035
Money Market - $10k0.444.250.010.834.070.0139
High Rate Money Market - $10k1.103.820.011.264.000.0115
High Rate Money Market - $25k1.264.400.011.614.000.0135
Money Market - $25k0.574.500.010.984.250.0141
Money Market - $50k0.674.500.011.145.000.0147
High Rate Money Market - $50k1.343.820.011.814.000.0146
High Rate Money Market - $100k1.533.830.012.154.000.0562
Money Market - $100k0.844.500.011.375.000.0153
Money Market - $250k0.965.000.011.515.000.0155
High Rate Money Market - $250k1.673.830.012.354.050.0568
Money Market - $500k0.934.650.011.535.000.0159
High Rate Money Market - $500k1.663.820.102.094.000.4044
High Rate Money Market - $1 million1.743.950.102.274.000.4053
Money Market - $1 million0.984.650.011.585.000.0160
Youth/Student Savings   0.595.000.02 
High Rate Savings0.735.000.022.4810.000.01175
Regular Savings0.195.000.010.196.000.000
New Auto - 24 Mo6.4411.003.744.9213.251.99-151
New Auto - 36 Mo6.9617.502.654.9413.251.99-201
New Auto - 48 Mo7.0117.502.655.0613.251.99-195
New Auto - 60 Mo7.0817.501.065.1613.251.99-192
New Auto - 72 Mo7.1413.752.655.429.501.99-172
New Auto - 84 Mo6.8111.004.295.769.951.99-105
Used Auto - 24 Mo6.6011.754.295.1510.591.99-146
Used Auto - 36 Mo7.3118.002.955.1511.001.99-216
Used Auto - 48 Mo7.3718.002.955.2711.001.99-210
Used Auto - 60 Mo7.3318.002.955.3711.001.99-196
Used Auto - 72 Mo7.2813.752.955.6313.001.99-165
Used Auto - 84 Mo6.828.994.295.9812.191.99-85
Used Boat-60 Mo8.1313.185.597.4318.002.50-70
New Boat-60 Mo8.3317.500.507.2918.002.50-104
Rewards Credit Card17.3529.905.9913.5422.151.00-381
Credit Card Platinum16.4828.992.0012.2328.991.00-425
Credit Card Classic16.0029.950.1012.7929.501.00-320
Home Equity - LOC 80%7.5816.000.256.8118.000.25-77
Home Equity - 5 Yr 80%7.3011.754.006.6111.501.00-70
Home Equity - 10 Yr 80%7.5012.492.506.9612.901.00-54
Home Equity - 15 Yr 80%7.5412.992.507.2413.001.00-30
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 Mo7.9413.185.597.2012.992.00-74
New Motorcycle-60 Mo7.8010.755.596.9712.502.00-83
Used Motorhome-60 Mo8.2712.055.757.3918.002.00-88
New Motorhome-60 Mo8.3318.001.757.2818.001.00-105
Student Loan-10 Year6.106.106.105.096.753.24-101
Unsecured - 36 Mo11.2725.175.0010.5936.001.99-68
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.