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 - $10k1.644.000.012.065.000.0542
6 Mo CD - $10k2.364.010.052.975.000.1561
9 Mo CD - $10k2.383.940.042.764.000.2538
1 Yr CD - $10k2.474.100.042.863.900.5039
18 Mo CD - $10k2.183.700.052.803.690.5062
2 Yr CD - $10k2.404.200.052.693.901.0029
30 Mo CD - $10k2.153.990.082.693.551.1953
3 Yr CD - $10k2.324.300.082.773.950.9545
4 Yr CD - $10k2.374.300.102.814.200.7044
5 Yr CD - $10k2.364.300.102.893.751.0553
3 Mo CD - $100k1.654.000.012.225.000.1556
6 Mo CD - $100k2.414.010.052.985.000.2057
9 Mo CD - $100k2.434.950.042.784.000.2535
1 Yr CD - $100k2.514.100.042.884.000.5037
18 Mo CD - $100k2.235.050.052.783.690.5055
2 Yr CD - $100k2.444.200.052.714.001.0027
30 Mo CD - $100k2.183.990.082.623.551.2444
3 Yr CD - $100k2.354.300.082.793.951.0044
4 Yr CD - $100k2.394.300.102.753.750.7536
5 Yr CD - $100k2.424.300.102.893.751.0547
High Rate Checking1.203.450.042.624.000.10142
Basic Checking0.251.390.010.171.980.01-9
HSA - $1k   0.050.050.05 
HSA - $10k   0.050.050.05 
HSA - $25k   0.050.050.05 
IRA - 1 Year - $10k2.263.850.012.883.901.0062
IRA - 1 Year - $100k1.734.000.043.354.002.37162
IRA - Liquid - $10k1.414.500.010.634.080.01-78
IRA - Liquid - $100k0.422.000.011.034.080.0161
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.653.250.010.371.500.05-28
Money Market - $10k0.763.250.010.543.000.05-22
High Rate Money Market - $10k0.250.450.081.021.930.2577
High Rate Money Market - $25k0.410.750.101.372.130.2595
Money Market - $25k0.893.340.010.673.000.05-22
Money Market - $50k1.053.350.010.793.100.05-26
High Rate Money Market - $50k0.491.050.101.372.130.2588
High Rate Money Market - $100k0.821.750.101.852.331.50103
Money Market - $100k1.383.450.010.893.200.05-50
Money Market - $250k1.573.500.010.993.300.05-58
High Rate Money Market - $250k1.152.550.101.992.331.5584
Money Market - $500k1.393.400.011.203.400.05-19
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million1.393.400.011.323.500.05-7
Youth/Student Savings   0.050.050.05 
High Rate Savings1.663.300.022.402.702.0074
Regular Savings0.423.260.010.294.080.01-13
New Auto - 24 Mo7.128.596.114.847.193.89-228
New Auto - 36 Mo7.2311.004.754.847.193.35-239
New Auto - 48 Mo7.2311.004.754.937.253.85-230
New Auto - 60 Mo7.3811.004.855.027.503.85-236
New Auto - 72 Mo7.4510.305.215.357.993.89-210
New Auto - 84 Mo7.638.596.665.798.943.89-184
Used Auto - 24 Mo7.128.596.115.237.193.89-189
Used Auto - 36 Mo7.5111.134.755.118.003.35-239
Used Auto - 48 Mo7.5111.004.755.228.003.85-230
Used Auto - 60 Mo7.5911.005.065.328.003.85-228
Used Auto - 72 Mo7.519.485.755.628.003.89-190
Used Auto - 84 Mo7.638.596.665.687.243.89-194
Used Boat-60 Mo8.719.298.137.9011.244.49-81
New Boat-60 Mo7.7711.005.757.2211.244.49-55
Rewards Credit Card17.5822.2514.6713.6418.008.90-394
Credit Card Platinum16.8018.2413.4913.8817.998.99-291
Credit Card Classic16.5218.7512.9914.1220.509.99-240
Home Equity - LOC 80%7.649.255.756.809.005.75-84
Home Equity - 5 Yr 80%7.2911.754.506.007.783.99-129
Home Equity - 10 Yr 80%7.779.586.257.038.505.75-73
Home Equity - 15 Yr 80%7.9510.116.257.409.005.75-56
7 Yr ARM6.5897.1255.6256.3767.1255.400-21
3 Yr ARM6.8206.7506.7505.9776.2375.400-84
5 Yr ARM7.0827.7505.5006.0306.7505.240-105
15 Yr Fixed6.1777.3605.0005.6746.8122.600-50
20 Yr Fixed6.5226.5126.3505.7247.0262.875-80
30 Yr Fixed6.5637.1255.7506.3147.7603.500-25
Used Motorcycle-60 Mo7.667.667.666.5310.054.49-113
New Motorcycle-60 Mo7.667.667.666.097.994.49-157
Used Motorhome-60 Mo8.699.298.087.6710.504.49-101
New Motorhome-60 Mo7.7811.005.757.0510.504.49-73
Unsecured - 36 Mo11.4118.006.7410.6115.996.09-80
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* Represents the difference in the average rate between banks and credit unions.