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 - $10k1.333.730.012.165.330.1083
6 Mo CD - $10k1.813.950.012.839.000.10102
9 Mo CD - $10k1.993.750.013.165.330.65117
1 Yr CD - $10k1.863.870.013.074.550.20121
18 Mo CD - $10k1.793.750.013.065.330.90127
2 Yr CD - $10k1.733.700.012.954.500.40122
30 Mo CD - $10k1.614.500.013.143.831.55152
3 Yr CD - $10k1.583.700.012.904.300.50132
4 Yr CD - $10k1.603.700.012.934.200.65133
5 Yr CD - $10k1.653.780.012.984.060.70133
3 Mo CD - $100k1.383.840.012.125.330.1074
6 Mo CD - $100k1.853.950.012.819.000.1096
9 Mo CD - $100k1.983.840.013.175.330.65120
1 Yr CD - $100k1.914.000.013.065.150.20116
18 Mo CD - $100k1.833.800.013.055.330.90123
2 Yr CD - $100k1.783.750.012.954.550.40116
30 Mo CD - $100k1.645.000.013.143.831.55150
3 Yr CD - $100k1.623.750.012.914.350.50129
4 Yr CD - $100k1.623.800.012.913.960.65129
5 Yr CD - $100k1.663.850.012.994.110.70133
High Rate Checking1.453.750.013.556.750.05210
Basic Checking0.101.330.010.172.500.017
IRA - 1 Year - $10k1.863.850.013.014.070.15116
IRA - 1 Year - $100k2.283.850.013.044.070.0176
IRA - Liquid - $10k0.443.650.010.494.080.015
IRA - Liquid - $100k0.613.100.010.554.080.01-6
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.383.250.010.893.690.0151
Money Market - $10k0.513.100.010.963.150.0145
High Rate Money Market - $10k1.253.750.031.983.400.2573
High Rate Money Market - $25k1.373.750.032.253.400.2588
Money Market - $25k0.633.300.011.103.150.0148
Money Market - $50k0.723.300.011.243.150.0152
High Rate Money Market - $50k1.553.750.032.263.400.2570
High Rate Money Market - $100k1.903.750.032.453.400.4055
Money Market - $100k0.953.300.011.433.940.0148
Money Market - $250k1.073.300.011.503.940.0143
High Rate Money Market - $250k2.083.750.052.503.650.4042
Money Market - $500k0.873.100.011.513.650.1264
High Rate Money Market - $500k   1.732.630.80 
High Rate Money Market - $1 million   1.933.040.80 
Money Market - $1 million0.953.100.011.643.820.1269
High Rate Savings1.674.200.022.865.121.00118
Regular Savings0.203.410.010.214.890.012
New Auto - 24 Mo6.8810.174.944.916.492.99-197
New Auto - 36 Mo6.739.502.654.986.602.99-175
New Auto - 48 Mo6.8010.812.655.076.602.99-172
New Auto - 60 Mo6.8710.052.655.206.603.50-167
New Auto - 72 Mo7.1910.022.655.557.303.99-164
New Auto - 84 Mo7.259.994.945.877.643.99-138
Used Auto - 24 Mo7.1610.624.945.186.993.50-198
Used Auto - 36 Mo7.1510.003.805.207.503.49-195
Used Auto - 48 Mo7.2111.595.065.317.503.49-191
Used Auto - 60 Mo7.1911.083.805.437.753.99-177
Used Auto - 72 Mo7.2510.023.805.7713.003.99-147
Used Auto - 84 Mo7.318.994.946.017.043.99-130
Used Boat-60 Mo6.246.495.997.4511.242.50121
New Boat-60 Mo8.0812.545.507.4414.002.50-64
Rewards Credit Card17.4424.9912.9912.9018.006.75-454
Credit Card Platinum16.5122.999.9911.9217.996.90-459
Credit Card Classic15.8620.2410.9912.1527.742.90-371
Home Equity - LOC 80%7.0911.055.246.488.501.99-61
Home Equity - 5 Yr 80%6.469.204.945.868.753.75-60
Home Equity - 10 Yr 80%6.749.255.046.289.244.74-46
Home Equity - 15 Yr 80%6.939.505.246.6310.044.99-30
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 Mo7.497.497.496.9511.242.00-54
New Motorcycle-60 Mo7.497.497.496.6111.242.00-88
Used Motorhome-60 Mo6.376.496.247.4811.242.00112
New Motorhome-60 Mo8.0312.785.507.4414.002.00-60
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.0716.256.749.9817.491.99-109
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* Represents the difference in the average rate between banks and credit unions.