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 - $10k1.683.890.012.753.750.10107
6 Mo CD - $10k2.234.250.013.204.000.2597
9 Mo CD - $10k1.604.090.013.494.002.74190
1 Yr CD - $10k2.324.350.013.244.000.3092
18 Mo CD - $10k2.054.250.013.214.501.60116
2 Yr CD - $10k2.124.200.013.084.250.5096
30 Mo CD - $10k1.854.200.013.153.942.03131
3 Yr CD - $10k2.024.200.013.094.000.60107
4 Yr CD - $10k1.904.200.013.154.200.70125
5 Yr CD - $10k1.954.200.013.174.150.75123
3 Mo CD - $100k1.733.970.012.834.200.10110
6 Mo CD - $100k2.354.250.013.254.000.2590
9 Mo CD - $100k1.644.090.013.494.002.74185
1 Yr CD - $100k2.414.500.013.294.000.3088
18 Mo CD - $100k2.175.050.013.213.851.60105
2 Yr CD - $100k2.144.200.013.123.850.5098
30 Mo CD - $100k1.894.250.013.193.942.13130
3 Yr CD - $100k2.064.200.013.144.100.60107
4 Yr CD - $100k1.924.200.013.174.250.70126
5 Yr CD - $100k2.064.200.013.214.340.75116
High Rate Checking1.423.450.012.605.000.03118
Basic Checking0.141.000.010.183.000.014
IRA - 1 Year - $10k2.164.350.013.093.800.3093
IRA - 1 Year - $100k1.494.000.013.434.002.15193
IRA - Liquid - $10k0.573.500.010.524.080.01-5
IRA - Liquid - $100k0.733.300.010.654.080.01-8
High Rate Money Market - $2.5k0.150.150.150.881.500.2573
Money Market - $2.5k0.463.060.010.743.000.0528
Money Market - $10k0.513.060.010.853.000.0533
High Rate Money Market - $10k1.153.690.080.250.250.25-90
High Rate Money Market - $25k1.143.690.050.250.250.25-89
Money Market - $25k0.653.340.010.953.100.0530
Money Market - $50k0.803.340.011.143.250.0535
High Rate Money Market - $50k1.273.690.050.250.250.25-102
High Rate Money Market - $100k1.373.690.071.881.981.5051
Money Market - $100k0.953.340.011.433.250.0548
Money Market - $250k1.063.340.011.503.250.0544
High Rate Money Market - $250k1.673.690.072.092.231.5543
Money Market - $500k0.893.400.021.683.500.0579
High Rate Money Market - $500k0.751.250.251.751.751.75100
High Rate Money Market - $1 million0.751.250.251.951.951.95120
Money Market - $1 million0.933.400.021.683.500.0575
High Rate Savings0.663.000.023.196.170.30254
Regular Savings0.393.740.010.284.080.01-11
New Auto - 24 Mo6.8110.174.295.2313.253.89-158
New Auto - 36 Mo6.7611.504.295.1513.253.89-160
New Auto - 48 Mo6.8511.504.295.1913.254.24-167
New Auto - 60 Mo6.9711.504.295.2513.254.29-173
New Auto - 72 Mo7.0610.174.295.366.594.49-170
New Auto - 84 Mo6.798.594.295.636.994.49-117
Used Auto - 24 Mo7.5410.624.295.2910.594.49-225
Used Auto - 36 Mo7.1112.504.295.2010.593.99-192
Used Auto - 48 Mo7.1712.504.295.2310.594.24-194
Used Auto - 60 Mo7.1410.624.295.3010.594.49-184
Used Auto - 72 Mo7.1010.624.295.5211.494.49-157
Used Auto - 84 Mo6.798.594.296.0012.194.49-79
Used Boat-60 Mo8.119.297.507.3410.743.25-77
New Boat-60 Mo8.0710.745.957.6111.243.25-46
Rewards Credit Card17.0623.249.9913.5518.496.75-351
Credit Card Platinum15.8418.746.9011.8017.997.24-404
Credit Card Classic15.5524.996.9012.8618.006.75-269
Home Equity - LOC 80%7.639.256.507.2114.003.99-42
Home Equity - 5 Yr 80%8.1510.616.007.108.894.85-106
Home Equity - 10 Yr 80%8.2912.146.007.288.895.00-101
Home Equity - 15 Yr 80%8.1010.616.007.448.895.25-67
7 Yr ARM6.6138.1075.6257.0768.1075.98746
3 Yr ARM6.1146.0946.000 
5 Yr ARM6.4298.0555.5007.0528.0555.91262
15 Yr Fixed6.1667.3605.0006.1567.2505.375-1
20 Yr Fixed6.6066.9016.0036.5306.9015.750-8
30 Yr Fixed6.5727.2505.6256.6297.0006.0006
15 Yr Fixed-Jumbo6.3156.2026.2026.0405.9285.928-27
20 Yr Fixed-Jumbo6.7496.6576.6576.3586.2686.268-39
7 Yr ARM-Jumbo6.3886.3206.3206.4446.3756.3756
5 Yr ARM-Jumbo6.3936.3256.3256.4196.3516.3513
30 Yr Fixed-Jumbo6.9156.8446.8446.5906.5216.521-32
Used Motorcycle-60 Mo6.797.595.997.4510.144.4966
New Motorcycle-60 Mo6.797.595.997.3110.144.4952
Used Motorhome-60 Mo8.5910.047.507.409.744.49-119
New Motorhome-60 Mo8.2210.605.977.6718.004.49-54
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.9418.007.9910.6815.006.09-26
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* Represents the difference in the average rate between banks and credit unions.