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 - $10k1.623.800.011.595.130.05-2
6 Mo CD - $10k1.873.860.012.654.790.1079
9 Mo CD - $10k1.434.000.013.004.550.30157
1 Yr CD - $10k1.944.000.012.904.300.1096
18 Mo CD - $10k1.664.140.012.974.750.10131
2 Yr CD - $10k1.783.940.012.794.200.10101
30 Mo CD - $10k1.683.550.012.844.580.25115
3 Yr CD - $10k1.713.940.012.784.170.10107
4 Yr CD - $10k1.774.140.012.864.410.25109
5 Yr CD - $10k1.864.140.012.924.410.25106
3 Mo CD - $100k1.703.800.011.625.070.05-8
6 Mo CD - $100k1.963.860.012.674.750.1071
9 Mo CD - $100k1.604.000.012.994.500.30139
1 Yr CD - $100k2.024.000.012.924.240.1089
18 Mo CD - $100k1.704.140.012.994.750.10129
2 Yr CD - $100k1.813.960.012.814.200.10100
30 Mo CD - $100k1.503.610.012.794.050.25129
3 Yr CD - $100k1.774.000.012.814.170.10105
4 Yr CD - $100k1.744.140.012.894.410.10115
5 Yr CD - $100k1.854.140.012.944.410.10109
High Rate Checking2.015.000.014.027.500.05200
Basic Checking0.173.000.010.735.150.0156
HSA - $1k0.010.010.010.200.250.1519
HSA - $10k0.030.030.030.400.500.3037
HSA - $25k0.030.030.030.651.000.3062
IRA - 1 Year - $10k1.974.000.012.834.080.1086
IRA - 1 Year - $100k1.423.790.012.714.000.10129
IRA - Liquid - $10k0.523.860.010.554.080.013
IRA - Liquid - $100k0.733.500.010.484.080.02-25
High Rate Money Market - $2.5k   0.020.020.01 
Money Market - $2.5k0.353.650.010.683.650.0233
Money Market - $10k0.423.650.010.733.650.0231
High Rate Money Market - $10k2.093.690.121.613.000.01-49
High Rate Money Market - $25k2.253.690.052.163.150.02-9
Money Market - $25k0.543.650.010.873.650.0233
Money Market - $50k0.613.650.011.023.650.0242
High Rate Money Market - $50k2.453.690.052.403.200.45-4
High Rate Money Market - $100k2.593.690.072.713.250.5012
Money Market - $100k0.793.650.011.263.650.0546
Money Market - $250k0.933.650.011.403.650.1046
High Rate Money Market - $250k2.693.690.072.823.500.5014
Money Market - $500k0.973.820.011.603.650.1563
High Rate Money Market - $500k2.043.820.252.883.252.6384
High Rate Money Market - $1 million2.043.820.253.353.703.04131
Money Market - $1 million1.113.820.011.713.900.1560
High Rate Savings0.331.510.022.5110.000.10219
Regular Savings0.151.500.010.134.890.01-2
New Auto - 24 Mo6.5710.175.445.079.502.99-150
New Auto - 36 Mo6.848.612.994.929.502.99-192
New Auto - 48 Mo6.908.613.705.039.503.70-187
New Auto - 60 Mo6.978.753.955.139.503.75-183
New Auto - 72 Mo6.938.954.455.379.503.75-156
New Auto - 84 Mo6.597.516.125.767.993.99-83
Used Auto - 24 Mo7.0810.625.645.169.502.99-192
Used Auto - 36 Mo7.139.502.995.039.502.99-211
Used Auto - 48 Mo7.159.753.705.149.503.70-201
Used Auto - 60 Mo7.2510.003.955.259.503.75-200
Used Auto - 72 Mo7.059.254.455.489.503.75-157
Used Auto - 84 Mo6.677.516.125.848.243.99-83
Used Boat-60 Mo8.4210.017.276.7411.294.49-168
New Boat-60 Mo7.8311.995.246.549.994.02-128
Rewards Credit Card17.0920.4913.1512.7018.496.90-439
Credit Card Platinum16.0418.498.4511.3817.996.90-467
Credit Card Classic15.8629.249.9612.4217.994.00-343
Home Equity - LOC 80%7.429.504.996.578.252.00-85
Home Equity - 5 Yr 80%7.3911.044.996.699.254.70-71
Home Equity - 10 Yr 80%7.6711.915.247.019.255.25-66
Home Equity - 15 Yr 80%7.709.136.307.339.255.25-37
7 Yr ARM6.6077.4405.6256.2788.0005.500-33
3 Yr ARM5.7965.8755.5006.6118.5005.25081
5 Yr ARM6.8017.6905.7906.3718.7795.250-43
15 Yr Fixed6.2487.0005.1256.3497.6254.50010
20 Yr Fixed6.9217.0106.6366.7578.7005.500-16
30 Yr Fixed6.6327.7505.8756.7738.6255.50014
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo8.3610.936.266.7011.294.49-166
New Motorcycle-60 Mo8.3610.936.266.539.994.49-184
Used Motorhome-60 Mo8.5910.017.776.9011.294.49-169
New Motorhome-60 Mo7.9111.995.496.619.764.02-130
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo12.2415.246.7410.7415.255.00-150
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* Represents the difference in the average rate between banks and credit unions.