RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 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 - $10k0.943.510.012.245.330.25130
6 Mo CD - $10k0.663.200.012.559.000.15190
9 Mo CD - $10k0.292.050.012.925.331.50262
1 Yr CD - $10k0.993.200.012.764.000.20177
18 Mo CD - $10k0.733.150.012.895.331.00216
2 Yr CD - $10k0.653.250.012.533.600.25187
30 Mo CD - $10k0.090.250.012.602.892.00251
3 Yr CD - $10k0.773.250.012.563.600.25179
4 Yr CD - $10k0.843.300.012.764.200.30192
5 Yr CD - $10k0.823.300.012.623.650.65180
3 Mo CD - $100k0.983.510.012.505.330.25152
6 Mo CD - $100k0.693.200.012.659.000.15196
9 Mo CD - $100k0.322.150.012.935.331.50261
1 Yr CD - $100k1.033.200.012.844.000.20181
18 Mo CD - $100k0.763.150.012.935.331.00217
2 Yr CD - $100k0.683.250.012.543.700.25186
30 Mo CD - $100k0.110.250.012.602.892.00249
3 Yr CD - $100k0.803.250.012.563.700.25176
4 Yr CD - $100k0.883.300.012.783.800.30191
5 Yr CD - $100k0.853.300.012.643.800.65179
High Rate Checking0.010.010.012.815.000.02280
Basic Checking0.070.200.010.365.000.0130
IRA - 1 Year - $10k1.083.200.012.524.000.20144
IRA - 1 Year - $100k0.833.000.012.814.000.20198
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 - $2.5k0.120.350.020.353.100.0523
Money Market - $10k0.120.350.020.423.100.0530
High Rate Money Market - $10k   0.310.500.05 
High Rate Money Market - $25k   0.811.500.05 
Money Market - $25k0.140.350.020.673.200.0553
Money Market - $50k0.170.350.020.963.200.0579
High Rate Money Market - $50k   1.372.000.25 
High Rate Money Market - $100k   2.172.501.50 
Money Market - $100k0.230.500.031.303.200.05107
Money Market - $250k0.250.550.031.403.200.05115
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 million0.250.350.151.493.500.05124
High Rate Savings0.190.500.021.763.010.10158
Regular Savings0.110.350.010.183.010.018
New Auto - 24 Mo6.266.975.444.695.753.34-157
New Auto - 36 Mo6.537.735.444.728.493.34-181
New Auto - 48 Mo6.827.755.445.168.494.09-167
New Auto - 60 Mo6.728.005.445.359.494.09-137
New Auto - 72 Mo7.208.506.385.639.494.25-158
New Auto - 84 Mo6.386.386.386.207.255.19-18
Used Auto - 24 Mo6.527.545.645.016.403.84-151
Used Auto - 36 Mo6.968.755.645.058.493.84-191
Used Auto - 48 Mo6.789.005.645.508.494.49-128
Used Auto - 60 Mo6.929.255.645.699.494.49-122
Used Auto - 72 Mo6.386.386.385.939.494.50-45
Used Auto - 84 Mo6.386.386.386.567.505.6919
Used Boat-60 Mo   7.699.756.24 
New Boat-60 Mo5.975.975.977.859.756.24188
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%8.059.896.756.688.130.25-137
Home Equity - 5 Yr 80%6.337.005.656.8110.505.2549
Home Equity - 10 Yr 80%8.008.008.007.0610.505.25-94
Home Equity - 15 Yr 80%8.758.758.756.9810.875.25-177
7 Yr ARM6.0926.3885.3755.8096.9885.106-28
3 Yr ARM5.2885.1255.1256.0696.0016.00178
5 Yr ARM6.0716.5075.2505.7186.4204.979-35
15 Yr Fixed5.9016.2155.1256.0148.7214.55711
20 Yr Fixed6.6436.5506.5506.3167.5884.895-33
30 Yr Fixed6.4576.8715.7506.4428.5005.284-2
15 Yr Fixed-Jumbo6.3306.2156.215 
20 Yr Fixed-Jumbo6.6116.5196.519 
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.932 
Used Motorcycle-60 Mo   7.6010.055.64 
New Motorcycle-60 Mo   7.109.754.99 
Used Motorhome-60 Mo   7.649.756.24 
New Motorhome-60 Mo5.975.975.977.819.756.24184
Unsecured - 36 Mo9.6611.008.508.5713.995.00-109
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* Represents the difference in the average rate between banks and credit unions.