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 - $10k1.165.500.012.005.330.0285
6 Mo CD - $10k1.555.100.012.755.000.01119
9 Mo CD - $10k1.386.910.013.129.000.01174
1 Yr CD - $10k1.745.000.013.024.590.01128
18 Mo CD - $10k1.465.500.013.005.330.01154
2 Yr CD - $10k1.554.450.012.954.550.01140
30 Mo CD - $10k1.206.910.012.915.000.05171
3 Yr CD - $10k1.425.500.012.915.000.01149
4 Yr CD - $10k1.385.500.012.934.520.05155
5 Yr CD - $10k1.445.500.013.006.250.01157
3 Mo CD - $100k1.215.500.012.055.330.0184
6 Mo CD - $100k1.6120.000.012.785.000.01117
9 Mo CD - $100k1.466.910.013.159.000.01169
1 Yr CD - $100k1.805.000.013.065.150.01126
18 Mo CD - $100k1.505.500.013.025.330.01152
2 Yr CD - $100k1.614.590.012.994.550.01138
30 Mo CD - $100k1.246.910.012.945.000.05170
3 Yr CD - $100k1.465.500.012.955.000.01149
4 Yr CD - $100k1.425.500.012.954.500.05153
5 Yr CD - $100k1.485.500.013.046.250.01156
Youth/Student Checking   0.100.100.10 
High Rate Checking0.747.500.013.118.300.01237
Basic Checking0.1211.000.000.227.230.0110
HSA - $1k0.161.460.010.311.010.0115
HSA - $10k0.332.020.030.492.530.0116
HSA - $25k0.382.020.030.593.050.0122
IRA - 1 Year - $10k1.635.000.013.014.750.01137
IRA - 1 Year - $100k1.324.500.013.1410.650.01181
IRA - Liquid - $10k0.405.300.010.655.300.0125
IRA - Liquid - $100k0.434.700.010.735.090.0130
High Rate Money Market - $2.5k0.603.500.050.603.500.010
Money Market - $2.5k0.384.010.010.745.040.0036
Money Market - $10k0.444.010.010.843.850.0140
High Rate Money Market - $10k1.173.750.011.244.000.017
High Rate Money Market - $25k1.204.400.011.614.000.0141
Money Market - $25k0.634.010.010.993.850.0136
Money Market - $50k0.734.010.011.153.850.0141
High Rate Money Market - $50k1.294.000.011.834.000.0154
High Rate Money Market - $100k1.454.000.012.174.000.0572
Money Market - $100k0.914.010.011.384.000.0148
Money Market - $250k1.025.000.011.524.210.0150
High Rate Money Market - $250k1.584.000.012.384.050.0580
Money Market - $500k1.154.650.011.524.210.0137
High Rate Money Market - $500k1.523.820.102.164.000.4064
High Rate Money Market - $1 million1.603.950.102.334.000.4073
Money Market - $1 million1.194.650.011.574.210.0138
Youth/Student Savings   0.665.000.02 
High Rate Savings0.725.000.022.5710.000.01185
Regular Savings0.195.000.000.196.000.000
New Auto - 24 Mo6.4011.002.004.8913.251.99-151
New Auto - 36 Mo6.9314.002.004.9113.251.99-203
New Auto - 48 Mo6.9914.002.005.0313.251.99-196
New Auto - 60 Mo7.0614.002.005.1313.251.99-193
New Auto - 72 Mo7.1314.002.655.399.501.99-173
New Auto - 84 Mo6.7911.004.495.719.951.99-109
Used Auto - 24 Mo6.5526.004.495.1110.591.99-144
Used Auto - 36 Mo7.3026.002.995.1111.001.99-219
Used Auto - 48 Mo7.3526.002.995.2411.001.99-212
Used Auto - 60 Mo7.3226.002.995.3411.001.99-199
Used Auto - 72 Mo7.2814.002.995.6013.001.99-168
Used Auto - 84 Mo6.808.994.495.9312.191.99-87
Used Boat-60 Mo8.3313.185.597.3718.002.50-96
New Boat-60 Mo8.3514.001.757.2518.002.50-109
Rewards Credit Card17.3129.744.4913.5919.951.00-372
Credit Card Platinum16.5129.742.0012.2428.991.00-426
Credit Card Classic16.0329.950.1012.7928.741.00-324
Home Equity - LOC 80%7.5916.000.256.8118.000.25-78
Home Equity - 5 Yr 80%7.3211.754.006.6311.501.00-69
Home Equity - 10 Yr 80%7.5212.492.506.9712.901.00-55
Home Equity - 15 Yr 80%7.5512.992.507.2613.001.00-29
7 Yr ARM6.5628.5001.0006.2898.8541.000-27
3 Yr ARM6.5279.7501.0006.2088.5001.000-32
5 Yr ARM6.5659.9903.8756.1369.1671.000-43
15 Yr Fixed6.22510.8502.0006.17011.7501.000-6
20 Yr Fixed6.6729.0004.6186.5308.7001.000-14
30 Yr Fixed6.67811.4504.0006.65613.2501.000-2
15 Yr Fixed-Jumbo6.4476.3536.0386.0206.9155.290-43
20 Yr Fixed-Jumbo7.0106.9356.6626.1676.6005.520-84
7 Yr ARM-Jumbo6.5256.5286.4096.2107.5035.000-31
5 Yr ARM-Jumbo6.5076.4876.4096.4336.6476.154-7
3 Yr ARM-Jumbo5.8895.8145.814 
30 Yr Fixed-Jumbo7.0416.9976.1486.6407.1725.814-40
Used Motorcycle-60 Mo8.0815.225.257.1613.242.00-91
New Motorcycle-60 Mo8.0115.225.256.9912.642.00-102
Used Motorhome-60 Mo8.4715.225.957.3618.002.00-111
New Motorhome-60 Mo8.3515.221.757.2518.001.00-110
Student Loan-10 Year7.057.057.055.096.753.24-196
Unsecured - 36 Mo11.3336.005.0010.6020.002.75-73
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* Represents the difference in the average rate between banks and credit unions.