RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 342,619 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 - $10k1.083.700.011.903.800.0282
6 Mo CD - $10k1.533.870.012.764.600.01122
9 Mo CD - $10k2.083.870.013.365.300.70128
1 Yr CD - $10k1.814.060.013.254.550.12144
18 Mo CD - $10k1.804.050.013.164.600.18136
2 Yr CD - $10k1.593.970.013.224.500.20164
30 Mo CD - $10k1.553.690.012.683.700.25113
3 Yr CD - $10k1.553.690.013.184.300.30163
4 Yr CD - $10k1.553.930.013.194.200.45164
5 Yr CD - $10k1.643.930.013.214.280.60157
3 Mo CD - $100k1.123.700.012.144.460.02102
6 Mo CD - $100k1.513.870.012.764.600.01125
9 Mo CD - $100k2.083.870.013.365.300.70128
1 Yr CD - $100k1.834.060.013.305.150.12147
18 Mo CD - $100k1.783.970.013.164.100.18138
2 Yr CD - $100k1.603.970.013.254.550.20165
30 Mo CD - $100k1.583.690.012.683.700.25110
3 Yr CD - $100k1.563.690.013.224.350.30165
4 Yr CD - $100k1.563.930.013.174.200.45160
5 Yr CD - $100k1.653.930.013.224.280.60156
High Rate Checking0.030.040.012.525.250.10250
Basic Checking0.102.420.010.225.250.0112
IRA - 1 Year - $10k1.684.060.013.154.400.01147
IRA - 1 Year - $100k0.823.240.013.094.400.01227
IRA - Liquid - $10k0.354.210.010.874.080.0152
IRA - Liquid - $100k0.541.850.010.584.080.015
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.333.740.010.623.000.0129
Money Market - $10k0.413.740.010.683.000.0327
High Rate Money Market - $10k1.953.400.500.631.340.13-132
High Rate Money Market - $25k2.113.460.050.661.340.25-146
Money Market - $25k0.503.740.010.753.100.0525
Money Market - $50k0.643.740.010.853.100.0521
High Rate Money Market - $50k2.633.460.050.611.000.25-202
High Rate Money Market - $100k2.753.460.071.332.450.25-143
Money Market - $100k0.843.740.011.003.500.0516
Money Market - $250k0.923.740.011.093.500.0517
High Rate Money Market - $250k2.833.460.071.362.560.25-147
Money Market - $500k0.853.510.011.053.100.0520
High Rate Money Market - $500k2.002.002.001.751.751.75-25
High Rate Money Market - $1 million2.002.002.001.951.951.95-5
Money Market - $1 million0.923.510.011.053.100.0513
High Rate Savings0.773.000.022.743.751.00197
Regular Savings0.223.000.010.174.080.01-5
New Auto - 24 Mo6.298.994.944.726.493.09-157
New Auto - 36 Mo6.729.273.994.546.602.49-218
New Auto - 48 Mo6.779.273.994.766.602.49-201
New Auto - 60 Mo6.819.273.994.916.993.09-191
New Auto - 72 Mo6.928.994.495.257.493.49-166
New Auto - 84 Mo6.528.994.946.008.494.49-51
Used Auto - 24 Mo6.438.994.944.986.993.29-144
Used Auto - 36 Mo7.0910.773.994.836.992.99-226
Used Auto - 48 Mo7.1110.773.995.046.992.99-206
Used Auto - 60 Mo7.0010.773.995.196.993.29-180
Used Auto - 72 Mo6.908.494.495.597.493.99-132
Used Auto - 84 Mo6.598.994.946.228.494.49-37
Used Boat-60 Mo6.677.246.097.2814.492.5062
New Boat-60 Mo8.0012.545.497.2613.492.50-74
Rewards Credit Card17.1119.9911.2412.9817.996.75-414
Credit Card Platinum16.1429.749.7412.2718.007.90-388
Credit Card Classic15.1420.999.7412.0017.996.00-314
Home Equity - LOC 80%7.049.495.506.718.752.50-33
Home Equity - 5 Yr 80%7.248.545.636.249.493.75-100
Home Equity - 10 Yr 80%7.428.855.646.719.495.25-71
Home Equity - 15 Yr 80%7.248.635.746.989.495.49-26
7 Yr ARM6.4047.1005.3756.3627.6695.125-4
3 Yr ARM6.2467.4905.3757.4468.1255.639120
5 Yr ARM6.3517.3755.2406.2517.6084.999-10
15 Yr Fixed6.1458.2505.2755.7816.6253.368-36
20 Yr Fixed6.6707.1606.0035.8727.0133.564-80
30 Yr Fixed6.5567.5005.7506.5077.1065.500-5
15 Yr Fixed-Jumbo6.3276.2146.214 
20 Yr Fixed-Jumbo6.7566.6646.664 
7 Yr ARM-Jumbo6.3956.3276.3275.0635.0005.000-133
5 Yr ARM-Jumbo6.4026.3346.3346.4446.3756.3754
30 Yr Fixed-Jumbo6.9256.8546.854 
Used Motorcycle-60 Mo7.497.497.496.7512.992.00-74
New Motorcycle-60 Mo7.497.497.496.5012.392.00-99
Used Motorhome-60 Mo6.797.246.347.2414.492.0045
New Motorhome-60 Mo7.9912.545.497.2813.992.00-70
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo11.4919.006.749.3813.254.99-211
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* Represents the difference in the average rate between banks and credit unions.