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 - $10k1.163.900.011.435.330.0527
6 Mo CD - $10k1.564.160.012.259.000.0669
9 Mo CD - $10k1.934.000.012.945.330.01101
1 Yr CD - $10k1.774.000.012.314.590.0154
18 Mo CD - $10k1.594.010.012.615.330.01102
2 Yr CD - $10k1.714.060.012.323.990.0161
30 Mo CD - $10k1.624.000.012.433.900.5081
3 Yr CD - $10k1.714.060.012.314.000.0160
4 Yr CD - $10k1.784.060.012.374.200.6059
5 Yr CD - $10k1.864.110.012.294.000.0143
3 Mo CD - $100k1.193.900.011.555.330.0537
6 Mo CD - $100k1.624.160.012.279.000.0665
9 Mo CD - $100k1.984.000.013.055.330.01108
1 Yr CD - $100k1.824.000.012.344.590.0152
18 Mo CD - $100k1.624.010.012.525.330.0190
2 Yr CD - $100k1.744.060.012.424.000.0168
30 Mo CD - $100k1.634.000.012.473.900.5084
3 Yr CD - $100k1.744.060.012.404.000.0166
4 Yr CD - $100k1.814.060.012.444.000.6063
5 Yr CD - $100k1.894.110.012.434.000.0154
High Rate Checking1.104.250.013.456.500.05235
Basic Checking0.141.340.000.204.500.016
HSA - $1k0.030.050.010.200.200.2017
HSA - $10k0.651.250.050.300.300.30-35
HSA - $25k0.050.050.050.350.350.3530
IRA - 1 Year - $10k1.593.960.012.354.250.0176
IRA - 1 Year - $100k1.554.000.012.794.250.30124
IRA - Liquid - $10k0.594.700.010.564.080.01-4
IRA - Liquid - $100k0.964.700.010.754.080.01-22
High Rate Money Market - $2.5k0.530.750.301.723.500.25119
Money Market - $2.5k0.403.750.010.783.140.0138
Money Market - $10k0.493.750.010.883.140.0139
High Rate Money Market - $10k1.193.690.011.463.500.2527
High Rate Money Market - $25k1.263.690.011.703.500.2544
Money Market - $25k0.653.750.011.043.140.0139
Money Market - $50k0.763.750.011.183.140.0141
High Rate Money Market - $50k1.503.690.011.833.500.2532
High Rate Money Market - $100k1.763.690.012.293.551.5053
Money Market - $100k0.963.760.011.333.140.0137
Money Market - $250k1.073.760.011.403.140.0133
High Rate Money Market - $250k1.883.690.012.443.601.5556
Money Market - $500k1.033.820.011.553.250.1553
High Rate Money Market - $500k1.843.820.252.433.651.7559
High Rate Money Market - $1 million1.843.820.252.533.651.9569
Money Market - $1 million1.063.820.011.603.500.1554
High Rate Savings1.665.000.022.6210.000.1595
Regular Savings0.213.750.010.204.080.01-1
New Auto - 24 Mo6.328.594.994.576.492.99-175
New Auto - 36 Mo6.7617.503.754.656.992.99-211
New Auto - 48 Mo6.8517.503.754.777.092.99-208
New Auto - 60 Mo6.9617.503.754.867.293.50-211
New Auto - 72 Mo7.009.853.755.157.593.99-184
New Auto - 84 Mo6.528.595.395.777.494.00-75
Used Auto - 24 Mo6.7610.034.994.887.003.49-188
Used Auto - 36 Mo7.0318.004.005.057.003.49-198
Used Auto - 48 Mo7.1618.004.005.177.093.99-199
Used Auto - 60 Mo7.2118.004.005.267.293.99-195
Used Auto - 72 Mo7.0110.103.345.537.593.34-148
Used Auto - 84 Mo6.478.595.396.097.744.49-38
Used Boat-60 Mo7.749.845.757.0511.294.49-70
New Boat-60 Mo8.2417.504.747.4913.684.31-75
Rewards Credit Card16.6519.747.9914.1919.908.50-246
Credit Card Platinum16.0328.249.9013.3317.246.90-270
Credit Card Classic14.9129.247.9913.8228.245.00-109
Home Equity - LOC 80%7.5010.753.256.5618.000.50-94
Home Equity - 5 Yr 80%7.6410.005.506.9211.505.49-72
Home Equity - 10 Yr 80%7.7210.106.157.309.705.85-42
Home Equity - 15 Yr 80%7.7910.306.157.519.955.86-28
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 Mo7.809.995.756.7511.294.49-105
New Motorcycle-60 Mo7.809.995.756.419.754.49-139
Used Motorhome-60 Mo7.739.845.757.0212.004.49-71
New Motorhome-60 Mo8.2918.004.747.4413.684.49-85
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.9519.756.5011.0020.006.75-95
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* Represents the difference in the average rate between banks and credit unions.