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 - $10k1.763.930.012.455.330.0569
6 Mo CD - $10k2.374.300.013.089.000.0572
9 Mo CD - $10k2.214.000.013.575.330.70136
1 Yr CD - $10k2.494.500.013.284.500.1078
18 Mo CD - $10k2.264.000.013.185.330.1593
2 Yr CD - $10k2.204.150.013.093.920.2089
30 Mo CD - $10k1.833.650.013.133.750.40130
3 Yr CD - $10k2.134.200.013.054.000.3092
4 Yr CD - $10k2.134.100.013.014.200.3587
5 Yr CD - $10k2.154.100.013.034.140.4088
3 Mo CD - $100k1.934.000.012.585.330.0565
6 Mo CD - $100k2.534.300.013.139.000.0560
9 Mo CD - $100k2.384.500.013.535.330.70114
1 Yr CD - $100k2.624.500.013.344.650.1072
18 Mo CD - $100k2.364.400.013.245.330.1588
2 Yr CD - $100k2.304.150.013.134.070.2083
30 Mo CD - $100k1.953.500.013.204.020.55125
3 Yr CD - $100k2.204.200.013.094.250.3089
4 Yr CD - $100k2.184.100.013.044.020.3585
5 Yr CD - $100k2.204.100.013.074.340.4088
High Rate Checking1.214.070.012.786.100.02156
Basic Checking0.263.000.000.205.120.01-6
HSA - $10k   0.300.300.30 
HSA - $25k   0.300.300.30 
IRA - 1 Year - $10k2.364.250.013.284.750.1092
IRA - 1 Year - $100k2.053.950.013.5910.650.10154
IRA - Liquid - $10k1.233.860.010.724.080.01-52
IRA - Liquid - $100k0.882.500.010.734.080.01-15
High Rate Money Market - $2.5k0.721.250.150.250.250.25-47
Money Market - $2.5k0.633.750.010.723.550.009
Money Market - $10k0.693.750.010.803.650.0511
High Rate Money Market - $10k1.343.010.030.591.750.05-75
High Rate Money Market - $25k1.663.440.051.263.150.25-41
Money Market - $25k0.794.400.010.893.650.0510
Money Market - $50k0.884.400.011.003.760.0512
High Rate Money Market - $50k1.683.440.051.723.200.254
High Rate Money Market - $100k1.793.440.072.053.250.5026
Money Market - $100k1.074.400.011.133.860.056
Money Market - $250k1.224.400.011.203.860.05-2
High Rate Money Market - $250k1.933.440.072.203.350.5027
Money Market - $500k1.104.400.011.383.860.0528
High Rate Money Market - $500k2.333.002.001.751.751.75-58
High Rate Money Market - $1 million2.423.252.001.951.951.95-47
Money Market - $1 million1.194.400.011.453.860.0526
Youth/Student Savings   0.250.250.25 
High Rate Savings1.473.500.022.505.000.85102
Regular Savings0.434.000.010.254.890.00-18
New Auto - 24 Mo5.626.664.294.8013.253.24-82
New Auto - 36 Mo7.2414.003.754.788.992.99-246
New Auto - 48 Mo7.3214.003.954.898.992.99-243
New Auto - 60 Mo7.3814.003.955.007.002.99-238
New Auto - 72 Mo7.3013.754.255.238.003.50-207
New Auto - 84 Mo5.606.664.295.609.003.900
Used Auto - 24 Mo5.967.844.294.9310.593.24-103
Used Auto - 36 Mo7.8814.004.504.978.992.99-291
Used Auto - 48 Mo7.9314.004.505.098.992.99-285
Used Auto - 60 Mo7.6414.004.755.198.252.99-245
Used Auto - 72 Mo7.3913.754.895.358.003.50-204
Used Auto - 84 Mo5.726.794.295.7812.193.906
Used Boat-60 Mo8.2210.056.497.0812.603.69-114
New Boat-60 Mo8.0314.001.756.9111.853.69-112
Rewards Credit Card17.2929.909.7514.0718.007.90-322
Credit Card Platinum15.4120.4910.2412.4218.003.00-299
Credit Card Classic15.7328.246.9012.8328.245.75-290
Home Equity - LOC 80%7.7110.055.496.9412.003.00-78
Home Equity - 5 Yr 80%7.9410.954.756.529.904.50-141
Home Equity - 10 Yr 80%8.0610.955.756.8012.904.50-126
Home Equity - 15 Yr 80%7.8410.616.696.9613.004.50-88
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 Mo7.939.805.996.8311.853.50-109
New Motorcycle-60 Mo7.879.805.996.7010.853.50-116
Used Motorhome-60 Mo8.5412.056.496.9311.503.50-161
New Motorhome-60 Mo7.9014.001.756.9211.503.50-98
Unsecured - 36 Mo11.5317.956.7410.2716.246.00-127
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* Represents the difference in the average rate between banks and credit unions.