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 - $10k1.294.000.011.463.750.3017
6 Mo CD - $10k2.094.000.012.304.000.5021
9 Mo CD - $10k2.153.940.012.194.300.505
1 Yr CD - $10k2.063.940.012.724.001.0066
18 Mo CD - $10k1.954.000.012.634.001.0068
2 Yr CD - $10k1.943.720.012.914.051.5197
30 Mo CD - $10k1.883.740.013.134.051.51125
3 Yr CD - $10k1.843.750.012.873.981.21103
4 Yr CD - $10k1.813.720.012.914.051.00110
5 Yr CD - $10k1.873.760.013.134.051.74126
3 Mo CD - $100k1.324.000.011.493.800.3017
6 Mo CD - $100k2.134.000.012.384.000.6025
9 Mo CD - $100k2.233.940.012.244.300.601
1 Yr CD - $100k2.123.940.012.774.001.1066
18 Mo CD - $100k1.984.000.012.644.001.1066
2 Yr CD - $100k2.013.720.012.964.051.5195
30 Mo CD - $100k1.923.740.013.094.051.51118
3 Yr CD - $100k1.873.750.012.944.051.21107
4 Yr CD - $100k1.833.720.012.914.051.00108
5 Yr CD - $100k1.823.760.013.184.051.74136
High Rate Checking0.030.050.014.055.002.25402
Basic Checking0.234.540.010.221.000.02-1
IRA - 1 Year - $10k1.873.840.012.614.751.0074
IRA - 1 Year - $100k2.113.250.102.184.800.107
IRA - Liquid - $10k0.733.690.010.832.750.0110
IRA - Liquid - $100k0.631.850.010.592.890.05-4
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.572.500.011.073.150.0151
Money Market - $10k0.622.500.011.223.150.0560
High Rate Money Market - $10k0.440.760.052.203.150.30176
High Rate Money Market - $25k0.892.000.373.153.153.15226
Money Market - $25k0.702.500.011.353.520.1065
Money Market - $50k0.843.500.011.453.520.1061
High Rate Money Market - $50k0.962.250.373.173.203.15221
High Rate Money Market - $100k1.382.500.373.353.403.25197
Money Market - $100k1.013.950.011.613.520.1561
Money Market - $250k1.083.950.011.693.650.2061
High Rate Money Market - $250k1.402.500.373.553.653.35215
Money Market - $500k1.193.250.011.603.650.3041
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.193.250.011.603.650.3041
High Rate Savings0.050.050.041.401.401.40136
Regular Savings0.251.210.010.244.890.01-1
New Auto - 24 Mo6.468.115.444.788.993.50-168
New Auto - 36 Mo7.6211.254.964.738.993.45-289
New Auto - 48 Mo7.6411.254.964.798.993.45-285
New Auto - 60 Mo7.6511.254.964.837.253.45-282
New Auto - 72 Mo7.5710.704.965.067.253.45-251
New Auto - 84 Mo6.336.665.994.955.843.74-137
Used Auto - 24 Mo6.518.175.645.008.993.50-151
Used Auto - 36 Mo7.9211.755.205.078.993.45-286
Used Auto - 48 Mo7.8511.505.205.138.993.45-271
Used Auto - 60 Mo7.6810.755.205.157.853.45-253
Used Auto - 72 Mo7.729.755.895.347.853.45-238
Used Auto - 84 Mo6.336.665.995.145.994.24-118
Used Boat-60 Mo8.138.138.136.7310.194.99-141
New Boat-60 Mo8.4413.254.966.5110.184.94-193
Rewards Credit Card16.7018.9911.9514.1418.007.99-256
Credit Card Platinum15.5618.9910.1515.4228.998.45-14
Credit Card Classic16.0823.7410.6512.8117.258.50-327
Home Equity - LOC 80%7.7210.755.495.997.753.50-173
Home Equity - 5 Yr 80%7.969.506.757.269.905.50-70
Home Equity - 10 Yr 80%7.129.505.757.5112.905.5039
Home Equity - 15 Yr 80%7.129.505.757.4913.005.5037
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
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 Mo7.667.667.666.628.995.00-104
New Motorcycle-60 Mo7.667.667.666.368.995.00-130
Used Motorhome-60 Mo8.088.088.086.6510.194.99-143
New Motorhome-60 Mo8.3611.754.966.4310.184.84-193
Unsecured - 36 Mo10.6914.996.7411.0518.006.9936
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* Represents the difference in the average rate between banks and credit unions.