RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.514.010.012.295.330.1078
6 Mo CD - $10k2.124.080.012.914.500.1080
9 Mo CD - $10k2.134.200.013.839.001.44170
1 Yr CD - $10k2.294.500.013.154.250.1987
18 Mo CD - $10k2.214.250.013.095.330.2588
2 Yr CD - $10k2.174.250.012.934.150.5577
30 Mo CD - $10k1.564.050.013.044.091.01148
3 Yr CD - $10k2.084.250.012.884.000.9080
4 Yr CD - $10k2.033.680.012.924.200.8589
5 Yr CD - $10k2.063.680.012.984.150.9092
3 Mo CD - $100k1.584.010.012.395.330.1081
6 Mo CD - $100k2.214.080.012.894.500.1468
9 Mo CD - $100k2.224.200.013.849.001.44162
1 Yr CD - $100k2.324.500.013.154.250.2383
18 Mo CD - $100k2.294.250.013.095.330.2980
2 Yr CD - $100k2.214.250.012.954.150.6074
30 Mo CD - $100k1.594.050.013.014.091.01142
3 Yr CD - $100k2.104.250.012.904.100.9080
4 Yr CD - $100k2.053.700.012.924.200.9587
5 Yr CD - $100k2.073.700.013.024.251.0095
High Rate Checking1.093.300.013.336.250.35224
Basic Checking0.222.150.010.384.000.0116
IRA - 1 Year - $10k2.124.000.013.134.750.33101
IRA - 1 Year - $100k1.193.000.013.474.801.61227
IRA - Liquid - $10k0.954.420.010.884.590.01-8
IRA - Liquid - $100k0.320.700.010.824.590.0150
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.493.800.010.763.150.0126
Money Market - $10k0.563.800.010.823.150.0526
High Rate Money Market - $10k1.472.450.150.280.300.25-120
High Rate Money Market - $25k1.442.450.152.283.450.2584
Money Market - $25k0.703.800.010.933.150.0523
Money Market - $50k0.873.800.011.053.150.0518
High Rate Money Market - $50k1.723.130.152.303.450.2558
High Rate Money Market - $100k1.853.130.152.463.451.5061
Money Market - $100k1.123.800.011.293.150.0516
Money Market - $250k1.254.000.011.433.150.0518
High Rate Money Market - $250k1.893.130.102.503.451.5561
Money Market - $500k1.593.400.011.433.100.05-15
High Rate Money Market - $500k   1.701.751.65 
High Rate Money Market - $1 million   1.801.951.65 
Money Market - $1 million1.643.500.011.603.820.05-4
High Rate Savings1.523.820.022.484.880.1096
Regular Savings0.262.970.010.264.890.010
New Auto - 24 Mo5.736.214.944.716.852.00-102
New Auto - 36 Mo7.049.505.004.786.853.00-227
New Auto - 48 Mo7.0410.005.004.866.853.75-218
New Auto - 60 Mo7.0910.255.004.936.853.75-216
New Auto - 72 Mo7.0510.505.155.136.993.75-192
New Auto - 84 Mo6.086.894.945.566.993.99-52
Used Auto - 24 Mo5.836.214.944.976.852.50-85
Used Auto - 36 Mo7.4510.505.005.006.853.49-245
Used Auto - 48 Mo7.4710.505.005.096.853.75-238
Used Auto - 60 Mo7.3510.255.155.156.993.75-220
Used Auto - 72 Mo7.3310.505.155.407.253.75-193
Used Auto - 84 Mo6.087.394.945.827.753.99-26
Used Boat-60 Mo8.629.997.247.5111.244.49-110
New Boat-60 Mo8.1210.756.006.9910.993.99-113
Rewards Credit Card16.9020.248.7512.7117.996.00-418
Credit Card Platinum15.7620.248.7511.8217.997.90-394
Credit Card Classic15.6229.249.7412.6128.497.90-302
Home Equity - LOC 80%7.329.005.496.798.994.00-53
Home Equity - 5 Yr 80%7.049.035.386.779.905.49-27
Home Equity - 10 Yr 80%7.299.036.007.1712.905.64-13
Home Equity - 15 Yr 80%7.298.606.007.6513.006.4936
7 Yr ARM6.8167.9506.0006.3857.0565.550-43
3 Yr ARM6.6557.5105.7505.9678.0005.058-69
5 Yr ARM7.0068.1535.8756.1566.6364.750-85
15 Yr Fixed6.2267.0004.8756.0396.8755.143-19
20 Yr Fixed6.4496.9265.7376.1946.8295.500-26
30 Yr Fixed6.6107.1255.5006.5447.3445.500-7
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo6.196.196.197.1610.354.4997
New Motorcycle-60 Mo5.695.695.696.8310.354.49114
Used Motorhome-60 Mo8.629.997.247.4410.744.49-117
New Motorhome-60 Mo8.1611.256.007.0210.493.99-114
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.8717.006.7410.4814.756.09-39
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* Represents the difference in the average rate between banks and credit unions.