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 - $10k1.744.250.012.485.330.0575
6 Mo CD - $10k2.354.160.013.094.250.0375
9 Mo CD - $10k2.184.100.013.609.000.70143
1 Yr CD - $10k2.494.500.013.314.500.1083
18 Mo CD - $10k2.224.300.013.235.330.15101
2 Yr CD - $10k2.204.350.013.134.500.2093
30 Mo CD - $10k1.934.000.013.234.090.40130
3 Yr CD - $10k2.114.200.013.104.350.3098
4 Yr CD - $10k2.104.100.013.074.200.3596
5 Yr CD - $10k2.134.140.013.094.280.4096
3 Mo CD - $100k1.904.250.012.605.330.0570
6 Mo CD - $100k2.5220.000.013.124.410.0360
9 Mo CD - $100k2.354.100.013.559.000.70120
1 Yr CD - $100k2.624.500.013.344.650.1072
18 Mo CD - $100k2.334.400.013.235.330.1090
2 Yr CD - $100k2.294.350.013.154.500.1086
30 Mo CD - $100k1.874.000.013.274.180.55140
3 Yr CD - $100k2.204.200.013.104.350.1090
4 Yr CD - $100k2.164.100.013.044.180.1088
5 Yr CD - $100k2.184.140.013.084.490.1091
High Rate Checking1.214.070.012.806.100.02159
Basic Checking0.262.250.000.237.230.01-3
HSA - $10k   0.300.300.30 
HSA - $25k   0.300.300.30 
IRA - 1 Year - $10k2.354.250.013.294.750.1094
IRA - 1 Year - $100k1.793.950.013.6010.650.10180
IRA - Liquid - $10k1.134.120.010.714.080.01-42
IRA - Liquid - $100k0.882.500.010.724.080.01-16
High Rate Money Market - $2.5k0.721.250.150.250.250.25-47
Money Market - $2.5k0.633.750.010.703.150.008
Money Market - $10k0.683.750.010.773.150.059
High Rate Money Market - $10k2.123.690.080.591.750.05-153
High Rate Money Market - $25k2.223.690.051.263.150.25-96
Money Market - $25k0.773.490.010.863.150.0510
Money Market - $50k0.863.490.010.983.250.0512
High Rate Money Market - $50k2.193.690.051.723.200.25-47
High Rate Money Market - $100k2.243.690.072.053.250.50-18
Money Market - $100k1.053.760.011.123.350.057
Money Market - $250k1.193.760.011.193.550.050
High Rate Money Market - $250k2.323.690.072.203.350.50-12
Money Market - $500k1.224.400.011.393.600.0517
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 million1.274.400.011.453.820.0518
Youth/Student Savings   0.250.250.25 
High Rate Savings1.273.400.022.675.000.85140
Regular Savings0.413.700.010.264.890.00-16
New Auto - 24 Mo5.276.662.004.8113.253.01-46
New Auto - 36 Mo7.1714.002.004.758.992.50-243
New Auto - 48 Mo7.2914.002.004.878.992.50-242
New Auto - 60 Mo7.3414.002.004.997.003.50-235
New Auto - 72 Mo7.2014.004.255.228.003.56-198
New Auto - 84 Mo5.796.744.495.579.003.95-22
Used Auto - 24 Mo7.6126.004.494.9510.593.01-266
Used Auto - 36 Mo7.8926.004.504.958.992.50-294
Used Auto - 48 Mo7.9926.004.505.078.992.50-292
Used Auto - 60 Mo7.7426.004.755.178.253.50-256
Used Auto - 72 Mo7.3814.004.895.368.003.56-202
Used Auto - 84 Mo5.786.794.495.7512.193.95-3
Used Boat-60 Mo8.4810.697.247.0715.503.65-141
New Boat-60 Mo8.0014.001.756.9115.504.00-109
Rewards Credit Card17.3423.999.7513.9218.003.99-342
Credit Card Platinum15.3829.7410.2412.2718.003.00-311
Credit Card Classic15.8628.246.9012.7428.242.50-312
Home Equity - LOC 80%7.6410.055.496.8612.003.00-78
Home Equity - 5 Yr 80%7.9310.954.756.599.904.50-134
Home Equity - 10 Yr 80%8.1210.955.756.8412.904.50-127
Home Equity - 15 Yr 80%7.8810.616.757.0113.004.50-87
7 Yr ARM6.6137.5003.7506.3977.4535.250-22
3 Yr ARM6.7679.4905.3756.9068.0005.60014
5 Yr ARM6.6899.9904.5006.2367.5335.250-45
15 Yr Fixed6.3049.7505.0006.1667.6502.625-14
20 Yr Fixed6.5766.9266.1296.3837.7553.125-19
30 Yr Fixed6.6607.5005.7506.5628.0003.125-10
15 Yr Fixed-Jumbo6.4476.3206.320 
20 Yr Fixed-Jumbo7.0126.9086.908 
7 Yr ARM-Jumbo6.5296.4516.451 
5 Yr ARM-Jumbo6.5086.4316.431 
30 Yr Fixed-Jumbo7.0566.9766.976 
Used Motorcycle-60 Mo7.829.805.746.9211.853.05-89
New Motorcycle-60 Mo7.769.805.746.9211.843.75-84
Used Motorhome-60 Mo8.7412.297.247.0015.503.65-174
New Motorhome-60 Mo7.8914.001.756.9415.503.75-95
Unsecured - 36 Mo11.4417.906.7410.2616.246.00-118
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* Represents the difference in the average rate between banks and credit unions.