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 - $10k1.303.800.012.983.750.20168
6 Mo CD - $10k1.744.000.012.393.630.0165
9 Mo CD - $10k1.794.150.012.413.730.0162
1 Yr CD - $10k2.003.900.012.643.630.0563
18 Mo CD - $10k1.903.850.013.133.631.50123
2 Yr CD - $10k1.763.850.012.443.540.4068
30 Mo CD - $10k1.263.450.011.903.340.4564
3 Yr CD - $10k1.503.850.012.433.340.1093
4 Yr CD - $10k1.453.850.012.743.342.15129
5 Yr CD - $10k1.533.850.012.483.340.1595
3 Mo CD - $100k1.383.800.013.124.000.20174
6 Mo CD - $100k1.794.000.012.273.800.0148
9 Mo CD - $100k1.864.150.012.503.750.0163
1 Yr CD - $100k2.063.900.012.593.730.0553
18 Mo CD - $100k2.033.850.013.183.631.50115
2 Yr CD - $100k1.823.850.012.413.540.4060
30 Mo CD - $100k1.443.550.011.953.440.4551
3 Yr CD - $100k1.563.850.012.463.440.1090
4 Yr CD - $100k1.473.850.012.803.502.15132
5 Yr CD - $100k1.623.850.012.513.500.1589
High Rate Checking0.351.000.011.922.751.00157
Basic Checking0.060.350.010.050.200.01-1
IRA - 1 Year - $10k1.863.850.012.723.630.3086
IRA - 1 Year - $100k2.103.600.013.293.653.00119
IRA - Liquid - $10k0.814.000.010.270.750.01-54
IRA - Liquid - $100k1.183.500.010.351.000.10-83
Money Market - $2.5k0.403.300.010.521.400.0513
Money Market - $10k0.663.300.010.541.500.10-12
High Rate Money Market - $10k2.962.962.96    
High Rate Money Market - $25k1.232.960.03    
Money Market - $25k0.703.300.010.771.600.107
Money Market - $50k0.763.300.010.891.750.1012
High Rate Money Market - $50k1.392.960.03    
High Rate Money Market - $100k1.622.960.03    
Money Market - $100k0.913.350.011.062.600.1515
Money Market - $250k0.933.350.011.322.600.2039
High Rate Money Market - $250k1.762.960.05    
Money Market - $500k0.913.350.031.492.250.2058
Money Market - $1 million1.023.350.031.492.250.2048
High Rate Savings1.263.500.022.503.002.00124
Regular Savings0.704.000.010.090.250.01-61
New Auto - 24 Mo6.448.995.447.5513.255.45111
New Auto - 36 Mo7.118.995.445.8313.254.99-128
New Auto - 48 Mo7.268.995.445.8913.254.99-137
New Auto - 60 Mo7.268.995.445.9213.254.99-134
New Auto - 72 Mo7.428.995.745.607.254.99-182
New Auto - 84 Mo7.048.995.645.836.395.45-121
Used Auto - 24 Mo6.548.995.646.9510.595.4541
Used Auto - 36 Mo7.398.995.645.7110.594.99-168
Used Auto - 48 Mo7.478.995.645.7710.594.99-170
Used Auto - 60 Mo7.468.995.645.8010.594.99-166
Used Auto - 72 Mo7.578.046.795.9911.494.99-158
Used Auto - 84 Mo7.148.995.647.3512.195.4521
Used Boat-60 Mo5.995.995.997.8611.005.65187
New Boat-60 Mo8.4010.007.008.2511.005.65-15
Rewards Credit Card17.6020.2414.7413.5217.7410.90-408
Credit Card Platinum16.8921.2413.9912.5017.249.99-439
Credit Card Classic17.5320.9913.7411.7512.759.88-578
Home Equity - LOC 80%7.7010.746.506.377.005.75-133
Home Equity - 5 Yr 80%7.318.506.256.457.995.12-86
Home Equity - 10 Yr 80%7.337.646.756.578.245.81-76
Home Equity - 15 Yr 80%7.668.507.386.648.495.85-102
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM 
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 Mo7.497.497.497.478.755.65-2
New Motorcycle-60 Mo7.497.497.497.358.755.65-14
Used Motorhome-60 Mo6.246.246.246.817.495.6557
New Motorhome-60 Mo8.4510.007.006.878.495.65-158
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo10.3415.006.749.3711.247.50-97
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* Represents the difference in the average rate between banks and credit unions.