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 - $10k1.083.700.011.913.800.0282
6 Mo CD - $10k1.554.110.012.774.600.01122
9 Mo CD - $10k2.154.210.013.415.300.70125
1 Yr CD - $10k1.834.250.013.294.550.12146
18 Mo CD - $10k1.844.220.013.224.600.18138
2 Yr CD - $10k1.594.160.013.274.500.20168
30 Mo CD - $10k1.603.690.012.814.150.25121
3 Yr CD - $10k1.564.220.013.254.300.30170
4 Yr CD - $10k1.553.930.013.174.300.45162
5 Yr CD - $10k1.654.220.013.234.380.60158
3 Mo CD - $100k1.113.700.012.154.460.02104
6 Mo CD - $100k1.524.110.012.784.600.01126
9 Mo CD - $100k2.164.210.013.415.300.70125
1 Yr CD - $100k1.854.250.013.345.150.12149
18 Mo CD - $100k1.804.220.013.214.100.18141
2 Yr CD - $100k1.604.160.013.304.550.20169
30 Mo CD - $100k1.583.690.012.824.150.25124
3 Yr CD - $100k1.574.220.013.294.350.30172
4 Yr CD - $100k1.573.930.013.154.300.45158
5 Yr CD - $100k1.674.220.013.244.380.60157
High Rate Checking0.030.040.012.525.250.10250
Basic Checking0.102.420.010.225.250.0112
IRA - 1 Year - $10k1.724.250.013.174.400.01145
IRA - 1 Year - $100k0.823.240.013.114.400.01230
IRA - Liquid - $10k0.354.340.010.854.080.0150
IRA - Liquid - $100k0.541.850.010.604.080.016
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.333.740.010.613.000.0128
Money Market - $10k0.413.740.010.683.000.0327
High Rate Money Market - $10k1.833.400.500.591.340.13-124
High Rate Money Market - $25k2.033.460.050.621.340.25-141
Money Market - $25k0.503.740.010.743.100.0525
Money Market - $50k0.633.740.010.843.100.0520
High Rate Money Market - $50k2.543.460.050.571.000.25-197
High Rate Money Market - $100k2.693.460.071.161.500.25-153
Money Market - $100k0.833.740.010.983.500.0515
Money Market - $250k0.903.740.011.073.500.0517
High Rate Money Market - $250k2.803.460.071.201.580.25-160
Money Market - $500k0.793.510.011.063.100.0527
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 million0.853.510.011.063.100.0521
High Rate Savings0.663.000.022.743.751.00209
Regular Savings0.223.000.010.174.080.01-4
New Auto - 24 Mo6.308.994.944.716.493.09-159
New Auto - 36 Mo6.659.273.994.536.602.49-212
New Auto - 48 Mo6.669.273.994.756.602.49-191
New Auto - 60 Mo6.749.273.994.896.993.09-186
New Auto - 72 Mo6.818.994.495.247.493.49-157
New Auto - 84 Mo6.588.994.945.998.494.49-59
Used Auto - 24 Mo6.438.994.944.976.993.29-146
Used Auto - 36 Mo7.1210.773.994.836.992.99-229
Used Auto - 48 Mo7.1210.773.995.046.992.99-208
Used Auto - 60 Mo7.0210.773.995.186.993.29-183
Used Auto - 72 Mo6.968.494.495.587.493.99-137
Used Auto - 84 Mo6.658.994.946.228.494.49-43
Used Boat-60 Mo6.677.246.097.2814.742.5062
New Boat-60 Mo8.2912.545.497.2213.742.50-106
Rewards Credit Card17.1119.9911.2412.9417.996.75-417
Credit Card Platinum16.1429.749.7412.2818.007.90-387
Credit Card Classic15.1620.999.7412.0017.996.00-316
Home Equity - LOC 80%7.3816.005.506.718.752.50-66
Home Equity - 5 Yr 80%7.238.545.636.249.493.75-99
Home Equity - 10 Yr 80%7.398.855.646.729.495.25-67
Home Equity - 15 Yr 80%7.228.635.747.009.495.50-22
7 Yr ARM6.4357.1695.3756.4907.7565.1255
3 Yr ARM6.2527.4905.3757.4968.1255.875124
5 Yr ARM6.3347.3755.0006.3827.6184.9995
15 Yr Fixed6.1928.2505.2756.1826.8505.000-1
20 Yr Fixed6.7567.1606.1296.5367.0135.734-22
30 Yr Fixed6.6117.6255.7506.7177.1255.50011
15 Yr Fixed-Jumbo6.4506.3236.323 
20 Yr Fixed-Jumbo7.0226.9186.918 
7 Yr ARM-Jumbo6.5416.4636.4635.0715.0005.000-147
5 Yr ARM-Jumbo6.5186.4416.4416.4526.3756.375-7
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo7.497.497.496.7413.242.00-75
New Motorcycle-60 Mo7.497.497.496.4812.642.00-101
Used Motorhome-60 Mo6.797.246.347.2514.742.0046
New Motorhome-60 Mo8.2012.545.497.2514.242.00-95
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo11.4919.006.749.4013.254.99-208
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* Represents the difference in the average rate between banks and credit unions.