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 - $10k1.653.890.012.743.750.10109
6 Mo CD - $10k2.264.250.013.234.000.2598
9 Mo CD - $10k1.674.090.013.474.002.74180
1 Yr CD - $10k2.294.350.013.294.100.3099
18 Mo CD - $10k2.114.250.013.234.501.60112
2 Yr CD - $10k2.144.200.013.114.250.5098
30 Mo CD - $10k1.794.200.013.174.092.03138
3 Yr CD - $10k2.014.200.013.134.000.60112
4 Yr CD - $10k1.894.200.013.174.200.70128
5 Yr CD - $10k1.964.200.013.194.280.75123
3 Mo CD - $100k1.723.890.012.824.200.10110
6 Mo CD - $100k2.304.250.013.304.760.25100
9 Mo CD - $100k1.704.090.013.474.002.74177
1 Yr CD - $100k2.424.500.013.344.150.3091
18 Mo CD - $100k2.195.050.013.244.001.60104
2 Yr CD - $100k2.204.200.013.153.850.5095
30 Mo CD - $100k1.824.250.013.204.092.13139
3 Yr CD - $100k2.034.200.013.184.100.60114
4 Yr CD - $100k1.924.200.013.194.250.70128
5 Yr CD - $100k1.994.200.013.244.490.75124
High Rate Checking1.633.450.012.605.000.0397
Basic Checking0.141.000.010.183.000.015
IRA - 1 Year - $10k2.184.350.013.274.100.30109
IRA - 1 Year - $100k1.614.000.013.454.152.15183
IRA - Liquid - $10k0.563.500.010.554.080.01-1
IRA - Liquid - $100k0.733.300.010.654.080.01-8
High Rate Money Market - $2.5k0.150.150.150.881.500.2573
Money Market - $2.5k0.473.060.010.753.000.0528
Money Market - $10k0.543.060.010.863.000.0532
High Rate Money Market - $10k1.173.690.080.250.250.25-92
High Rate Money Market - $25k1.163.690.050.250.250.25-91
Money Market - $25k0.663.340.010.983.100.0532
Money Market - $50k0.783.340.011.163.250.0538
High Rate Money Market - $50k1.283.690.050.250.250.25-103
High Rate Money Market - $100k1.393.690.070.981.500.85-41
Money Market - $100k0.953.340.011.443.250.0549
Money Market - $250k1.083.750.011.513.250.0543
High Rate Money Market - $250k1.683.690.071.111.551.00-57
Money Market - $500k0.963.400.011.673.500.0571
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 million1.013.400.011.673.500.0566
High Rate Savings0.633.000.023.366.170.30273
Regular Savings0.383.790.010.284.080.01-10
New Auto - 24 Mo6.8510.174.495.2113.253.89-164
New Auto - 36 Mo6.8011.504.495.1613.253.89-163
New Auto - 48 Mo6.8911.504.495.2013.254.24-169
New Auto - 60 Mo6.9611.504.495.2613.254.29-170
New Auto - 72 Mo7.0410.174.495.386.594.29-166
New Auto - 84 Mo6.868.594.495.636.994.49-123
Used Auto - 24 Mo7.1210.624.495.2910.594.29-182
Used Auto - 36 Mo7.1112.504.495.147.253.99-197
Used Auto - 48 Mo7.1812.504.495.187.254.24-200
Used Auto - 60 Mo7.1410.624.495.247.254.29-190
Used Auto - 72 Mo7.0410.624.495.467.494.29-157
Used Auto - 84 Mo6.868.594.496.0312.194.49-83
Used Boat-60 Mo8.119.297.507.0310.493.25-108
New Boat-60 Mo8.0110.495.957.5311.243.25-49
Rewards Credit Card16.9320.509.9913.6618.498.24-327
Credit Card Platinum15.8718.7410.0011.7417.996.75-413
Credit Card Classic15.6024.996.9013.1718.008.99-243
Home Equity - LOC 80%7.649.256.507.1814.003.99-45
Home Equity - 5 Yr 80%8.1610.616.007.078.894.85-110
Home Equity - 10 Yr 80%8.3012.146.007.238.895.00-107
Home Equity - 15 Yr 80%8.0610.616.007.458.895.25-61
7 Yr ARM6.7038.1075.8957.1138.1075.98741
3 Yr ARM6.3906.2486.248 
5 Yr ARM6.7318.1535.7507.0478.0555.91232
15 Yr Fixed6.2317.5505.0006.2467.2505.3751
20 Yr Fixed6.7186.9266.1296.6316.9145.750-9
30 Yr Fixed6.6637.2505.6256.7547.0896.0009
15 Yr Fixed-Jumbo6.4786.3506.3506.2716.1446.144-21
20 Yr Fixed-Jumbo7.0316.9276.9276.6176.5156.515-41
7 Yr ARM-Jumbo6.4866.4096.4096.3816.3046.304-11
5 Yr ARM-Jumbo6.4866.4096.4096.4556.3786.378-3
30 Yr Fixed-Jumbo7.0636.9836.9836.8416.7626.762-22
Used Motorcycle-60 Mo6.727.695.747.2010.143.0548
New Motorcycle-60 Mo6.727.695.747.4811.844.4976
Used Motorhome-60 Mo8.5910.047.507.189.493.65-141
New Motorhome-60 Mo8.1510.605.957.6118.003.65-55
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.9018.007.9910.5415.005.49-37
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* Represents the difference in the average rate between banks and credit unions.