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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.873.150.012.245.330.25138
6 Mo CD - $10k0.643.200.012.534.050.15189
9 Mo CD - $10k0.271.950.013.329.001.50305
1 Yr CD - $10k0.993.300.012.724.000.20174
18 Mo CD - $10k0.712.960.012.895.331.00218
2 Yr CD - $10k0.683.400.012.564.000.25188
30 Mo CD - $10k0.130.350.012.602.892.00247
3 Yr CD - $10k0.813.500.012.654.250.25185
4 Yr CD - $10k0.833.600.012.874.250.30204
5 Yr CD - $10k0.853.540.012.684.250.65183
3 Mo CD - $100k0.893.150.012.505.330.25161
6 Mo CD - $100k0.663.200.012.624.050.15196
9 Mo CD - $100k0.281.950.013.339.001.50306
1 Yr CD - $100k1.213.510.012.804.000.20159
18 Mo CD - $100k0.742.960.012.935.331.00220
2 Yr CD - $100k0.703.400.012.584.000.25188
30 Mo CD - $100k0.140.350.012.602.892.00246
3 Yr CD - $100k0.833.500.012.674.250.25184
4 Yr CD - $100k0.863.600.012.934.250.30208
5 Yr CD - $100k0.883.540.012.724.250.65183
High Rate Checking0.010.010.012.815.000.02280
Basic Checking0.060.200.010.365.000.0130
IRA - 1 Year - $10k0.753.300.012.494.000.20174
IRA - 1 Year - $100k0.090.250.012.784.000.20269
IRA - Liquid - $10k0.020.030.010.753.750.0173
IRA - Liquid - $100k   0.451.870.01 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.070.150.020.353.000.0527
Money Market - $10k0.070.150.020.423.000.0534
High Rate Money Market - $10k   0.310.500.05 
High Rate Money Market - $25k   0.811.500.05 
Money Market - $25k0.090.200.020.673.100.0558
Money Market - $50k0.130.300.020.963.100.0583
High Rate Money Market - $50k   1.372.000.25 
High Rate Money Market - $100k   2.172.501.50 
Money Market - $100k0.190.500.031.293.100.05111
Money Market - $250k0.200.550.031.403.100.05119
High Rate Money Market - $250k   2.683.501.55 
Money Market - $500k0.250.350.151.453.500.05120
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.250.350.151.483.500.05123
High Rate Savings0.190.500.021.763.010.10158
Regular Savings0.100.350.010.183.010.018
New Auto - 24 Mo6.266.975.444.695.753.34-157
New Auto - 36 Mo6.537.735.444.738.493.34-180
New Auto - 48 Mo6.827.755.445.178.494.09-165
New Auto - 60 Mo6.728.005.445.379.494.09-135
New Auto - 72 Mo7.208.506.385.649.494.25-156
New Auto - 84 Mo6.386.386.386.187.255.19-19
Used Auto - 24 Mo6.527.545.645.016.403.84-151
Used Auto - 36 Mo6.968.755.645.068.493.84-190
Used Auto - 48 Mo6.789.005.645.528.494.49-126
Used Auto - 60 Mo6.929.255.645.719.494.49-120
Used Auto - 72 Mo6.386.386.385.949.494.50-43
Used Auto - 84 Mo6.386.386.386.557.505.6917
Used Boat-60 Mo   7.579.755.59 
New Boat-60 Mo5.975.975.977.769.755.59179
Rewards Credit Card17.4720.2411.8012.7318.006.99-474
Credit Card Platinum17.4120.2414.9911.9317.997.00-548
Credit Card Classic17.8720.2414.9913.0128.247.99-486
Home Equity - LOC 80%8.059.896.756.698.130.25-136
Home Equity - 5 Yr 80%6.337.005.656.9810.505.9966
Home Equity - 10 Yr 80%8.008.008.007.2510.506.00-75
Home Equity - 15 Yr 80%8.758.758.757.1210.875.75-163
7 Yr ARM6.0356.3885.3755.8066.9885.106-23
3 Yr ARM5.2885.1255.1256.1616.0946.09487
5 Yr ARM6.0716.5075.2505.7276.6134.979-34
15 Yr Fixed5.9206.2625.3756.1048.7214.97018
20 Yr Fixed6.8936.8016.8016.3927.5884.950-50
30 Yr Fixed6.4876.8646.0006.4958.5005.2841
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 Mo   7.6510.055.64 
New Motorcycle-60 Mo   7.159.754.99 
Used Motorhome-60 Mo   7.609.755.74 
New Motorhome-60 Mo5.975.975.977.779.755.74180
Unsecured - 36 Mo9.6611.008.508.4713.995.00-119
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* Represents the difference in the average rate between banks and credit unions.