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.

Sort by Product  / State

Arkansas

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.364.000.011.463.750.3010
6 Mo CD - $10k2.054.000.012.324.070.5027
9 Mo CD - $10k2.083.950.012.364.300.5028
1 Yr CD - $10k2.114.430.012.754.071.0065
18 Mo CD - $10k2.004.090.012.664.001.0066
2 Yr CD - $10k1.973.940.012.954.051.5198
30 Mo CD - $10k1.773.880.013.154.051.51138
3 Yr CD - $10k1.843.910.012.924.001.21108
4 Yr CD - $10k1.713.970.012.994.051.00129
5 Yr CD - $10k1.813.970.013.204.051.74139
3 Mo CD - $100k1.384.000.011.493.800.3011
6 Mo CD - $100k2.094.040.012.394.070.6030
9 Mo CD - $100k2.143.950.012.404.300.6026
1 Yr CD - $100k2.144.430.012.804.071.1067
18 Mo CD - $100k2.004.090.012.674.051.1066
2 Yr CD - $100k2.043.990.013.014.051.5197
30 Mo CD - $100k1.773.880.013.164.051.51139
3 Yr CD - $100k1.883.910.012.994.051.21111
4 Yr CD - $100k1.703.970.013.014.051.00130
5 Yr CD - $100k1.763.970.013.254.051.74149
High Rate Checking0.030.050.013.755.002.25372
Basic Checking0.224.540.010.231.000.021
IRA - 1 Year - $10k1.874.430.032.644.751.0077
IRA - 1 Year - $100k1.523.250.032.474.800.1095
IRA - Liquid - $10k0.833.690.010.832.750.010
IRA - Liquid - $100k0.631.850.010.742.890.0511
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.552.500.011.093.150.0154
Money Market - $10k0.622.500.011.223.150.0561
High Rate Money Market - $10k0.450.800.052.103.000.30165
High Rate Money Market - $25k0.862.050.353.053.153.00220
Money Market - $25k0.733.340.011.363.520.1063
Money Market - $50k0.853.340.011.473.520.1062
High Rate Money Market - $50k0.972.300.373.073.203.00210
High Rate Money Market - $100k1.242.550.373.253.253.25201
Money Market - $100k1.043.500.011.653.520.1561
Money Market - $250k1.103.500.011.723.520.2062
High Rate Money Market - $250k1.392.550.373.453.503.35206
Money Market - $500k1.593.400.011.953.500.3036
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.593.400.011.953.500.3036
High Rate Savings0.050.050.042.594.881.40255
Regular Savings0.251.210.010.244.890.01-1
New Auto - 24 Mo6.488.115.444.798.992.99-169
New Auto - 36 Mo7.5411.254.954.668.992.99-288
New Auto - 48 Mo7.5611.254.954.788.993.70-278
New Auto - 60 Mo7.5711.254.954.917.253.74-266
New Auto - 72 Mo7.4810.254.965.147.253.74-234
New Auto - 84 Mo6.336.665.995.237.693.74-109
Used Auto - 24 Mo6.538.175.645.088.992.99-145
Used Auto - 36 Mo7.8411.754.954.998.992.99-285
Used Auto - 48 Mo7.7610.754.955.118.993.70-265
Used Auto - 60 Mo7.5810.754.955.207.853.95-238
Used Auto - 72 Mo7.629.755.895.507.853.95-212
Used Auto - 84 Mo6.336.665.995.467.694.24-86
Used Boat-60 Mo8.138.138.136.7710.194.99-136
New Boat-60 Mo8.5313.254.966.549.334.94-199
Rewards Credit Card16.6618.9911.9514.2818.007.99-239
Credit Card Platinum15.6818.9910.1515.1528.998.45-53
Credit Card Classic16.2623.7410.6512.6917.258.50-357
Home Equity - LOC 80%7.6310.755.495.967.753.50-166
Home Equity - 5 Yr 80%8.019.506.757.219.905.50-80
Home Equity - 10 Yr 80%7.179.525.757.4112.905.5024
Home Equity - 15 Yr 80%7.179.555.757.4313.005.5025
7 Yr ARM7.1167.5916.3886.2988.2505.500-82
3 Yr ARM7.3567.9826.7505.6745.6005.600-168
5 Yr ARM7.3428.1536.5076.7758.2506.030-57
15 Yr Fixed6.1936.8755.3756.4978.2505.50030
20 Yr Fixed6.7376.9266.3436.5556.7205.750-18
30 Yr Fixed6.6567.3756.0006.8698.2506.25021
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 Mo7.667.667.666.337.244.95-133
New Motorcycle-60 Mo7.667.667.666.187.994.95-148
Used Motorhome-60 Mo8.088.088.086.7110.194.99-137
New Motorhome-60 Mo8.4511.754.966.479.334.84-198
Unsecured - 36 Mo10.5914.996.7411.0118.007.4942
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.