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.

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 - $10k1.294.000.011.463.750.3016
6 Mo CD - $10k2.064.000.032.304.000.5024
9 Mo CD - $10k2.163.850.012.194.300.503
1 Yr CD - $10k2.105.000.012.724.001.0063
18 Mo CD - $10k2.004.000.012.644.001.0064
2 Yr CD - $10k1.983.710.012.924.051.5194
30 Mo CD - $10k1.933.740.013.134.051.51120
3 Yr CD - $10k1.873.750.012.893.981.21102
4 Yr CD - $10k1.813.720.012.954.051.00114
5 Yr CD - $10k1.893.760.013.184.051.74129
3 Mo CD - $100k1.294.000.011.493.800.3020
6 Mo CD - $100k2.114.000.032.374.000.6027
9 Mo CD - $100k2.253.940.012.013.800.60-24
1 Yr CD - $100k2.134.040.012.774.001.1064
18 Mo CD - $100k2.034.000.012.654.001.1062
2 Yr CD - $100k1.993.710.012.984.051.5199
30 Mo CD - $100k1.953.740.013.144.051.51119
3 Yr CD - $100k1.893.750.012.964.051.21107
4 Yr CD - $100k1.823.720.012.954.051.00113
5 Yr CD - $100k1.813.760.013.234.051.74142
High Rate Checking0.030.050.014.055.002.25402
Basic Checking0.234.540.010.221.000.02-1
IRA - 1 Year - $10k1.834.040.032.614.751.0078
IRA - 1 Year - $100k1.523.250.032.154.800.1063
IRA - Liquid - $10k0.763.690.010.832.750.017
IRA - Liquid - $100k0.631.850.010.592.890.05-4
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.552.500.011.093.150.0154
Money Market - $10k0.592.500.011.223.150.0563
High Rate Money Market - $10k0.450.800.052.103.000.30165
High Rate Money Market - $25k0.862.050.353.053.153.00220
Money Market - $25k0.723.340.011.363.520.1064
Money Market - $50k0.833.340.011.473.520.1064
High Rate Money Market - $50k0.972.300.373.073.203.00210
High Rate Money Market - $100k1.392.550.373.253.253.25187
Money Market - $100k1.023.500.011.643.520.1562
Money Market - $250k1.123.500.011.723.520.2060
High Rate Money Market - $250k1.412.550.373.453.503.35204
Money Market - $500k1.593.400.011.773.500.3018
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.593.400.011.773.500.3018
High Rate Savings0.030.040.021.401.401.40137
Regular Savings0.251.210.010.244.890.010
New Auto - 24 Mo6.468.115.444.758.992.99-171
New Auto - 36 Mo7.5611.254.954.688.992.99-289
New Auto - 48 Mo7.5811.254.954.798.993.45-279
New Auto - 60 Mo7.5811.254.954.907.253.45-269
New Auto - 72 Mo7.5110.254.965.137.253.45-238
New Auto - 84 Mo6.336.665.995.005.843.74-132
Used Auto - 24 Mo6.518.175.644.978.992.99-154
Used Auto - 36 Mo7.8711.754.955.018.992.99-286
Used Auto - 48 Mo7.7810.754.955.138.993.45-265
Used Auto - 60 Mo7.6010.754.955.197.853.45-240
Used Auto - 72 Mo7.679.755.895.437.853.45-223
Used Auto - 84 Mo6.336.665.995.196.144.24-113
Used Boat-60 Mo8.138.138.136.7410.194.99-139
New Boat-60 Mo8.5213.254.966.4310.184.94-209
Rewards Credit Card16.8118.9911.9514.1918.007.99-262
Credit Card Platinum15.6718.9910.1515.1528.998.45-52
Credit Card Classic16.0823.7410.6512.6917.258.50-340
Home Equity - LOC 80%7.6410.755.495.747.753.50-190
Home Equity - 5 Yr 80%7.979.506.757.159.905.50-82
Home Equity - 10 Yr 80%7.139.505.757.4812.905.5034
Home Equity - 15 Yr 80%7.139.505.757.5513.005.5041
7 Yr ARM6.9287.5915.6256.2738.2505.500-66
3 Yr ARM7.3497.9826.7505.6655.6005.600-168
5 Yr ARM7.0827.7475.5006.7468.2505.975-34
15 Yr Fixed6.1146.8755.3756.4678.2505.50035
20 Yr Fixed6.6666.8016.3496.5046.7205.750-16
30 Yr Fixed6.5387.0005.8756.7838.2506.25025
15 Yr Fixed-Jumbo6.3156.2026.202 
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.844 
Used Motorcycle-60 Mo7.667.667.666.628.995.00-104
New Motorcycle-60 Mo7.667.667.666.368.995.00-130
Used Motorhome-60 Mo8.088.088.086.6710.194.99-141
New Motorhome-60 Mo8.4411.754.966.3510.184.84-208
Unsecured - 36 Mo10.5914.996.7411.0018.006.9942
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.