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 - $10k1.514.010.012.295.330.1078
6 Mo CD - $10k2.184.250.012.914.500.1073
9 Mo CD - $10k2.174.100.013.839.001.44166
1 Yr CD - $10k2.294.500.013.114.000.1982
18 Mo CD - $10k2.203.800.013.055.330.2584
2 Yr CD - $10k2.143.850.012.893.790.5575
30 Mo CD - $10k1.553.750.013.003.941.01145
3 Yr CD - $10k2.063.680.012.834.000.9076
4 Yr CD - $10k2.033.680.012.864.200.8582
5 Yr CD - $10k2.063.680.012.933.800.9088
3 Mo CD - $100k1.574.010.012.395.330.1082
6 Mo CD - $100k2.204.250.012.894.500.1470
9 Mo CD - $100k2.234.100.013.839.001.44160
1 Yr CD - $100k2.344.500.013.114.000.2377
18 Mo CD - $100k2.253.800.013.055.330.2980
2 Yr CD - $100k2.183.850.012.903.800.6072
30 Mo CD - $100k1.573.750.012.973.941.01140
3 Yr CD - $100k2.073.680.012.854.100.9077
4 Yr CD - $100k2.053.690.012.854.200.9580
5 Yr CD - $100k2.083.690.012.983.901.0090
High Rate Checking0.542.020.013.336.250.35279
Basic Checking0.222.150.010.323.250.0110
IRA - 1 Year - $10k2.113.950.012.934.750.0581
IRA - 1 Year - $100k1.193.000.013.294.800.15210
IRA - Liquid - $10k1.004.420.010.884.590.01-12
IRA - Liquid - $100k0.320.700.010.864.590.0154
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.523.800.010.763.150.0124
Money Market - $10k0.573.800.010.823.150.0525
High Rate Money Market - $10k1.472.450.150.280.300.25-120
High Rate Money Market - $25k1.552.450.152.283.450.2573
Money Market - $25k0.713.800.010.933.150.0522
Money Market - $50k0.903.800.011.053.150.0515
High Rate Money Market - $50k1.753.110.152.303.450.2555
High Rate Money Market - $100k1.853.110.152.463.451.5061
Money Market - $100k1.163.800.011.293.150.0513
Money Market - $250k1.294.000.011.433.150.0514
High Rate Money Market - $250k1.893.110.102.503.451.5561
Money Market - $500k1.313.400.011.423.100.0512
High Rate Money Market - $500k   1.701.751.65 
High Rate Money Market - $1 million   1.801.951.65 
Money Market - $1 million1.323.400.011.603.820.0528
High Rate Savings1.453.820.022.413.750.1096
Regular Savings0.262.970.010.274.890.011
New Auto - 24 Mo5.676.114.944.816.853.34-85
New Auto - 36 Mo7.119.505.004.816.853.34-230
New Auto - 48 Mo7.1110.005.004.876.853.45-225
New Auto - 60 Mo7.1610.255.004.926.853.45-223
New Auto - 72 Mo7.1510.505.495.126.993.45-203
New Auto - 84 Mo6.106.894.945.596.993.99-50
Used Auto - 24 Mo5.776.194.945.036.853.84-75
Used Auto - 36 Mo7.4910.504.945.026.853.45-247
Used Auto - 48 Mo7.4910.504.945.086.853.45-241
Used Auto - 60 Mo7.4110.254.945.146.993.45-227
Used Auto - 72 Mo7.4010.504.945.357.253.45-205
Used Auto - 84 Mo6.117.394.945.827.753.99-29
Used Boat-60 Mo8.629.997.247.5011.244.49-112
New Boat-60 Mo8.1210.756.006.9510.993.99-117
Rewards Credit Card16.9220.248.7512.6317.996.00-430
Credit Card Platinum15.7120.248.7511.5717.997.90-414
Credit Card Classic15.5129.249.7412.0218.005.99-349
Home Equity - LOC 80%7.349.005.496.767.754.00-58
Home Equity - 5 Yr 80%6.999.035.386.779.905.49-22
Home Equity - 10 Yr 80%7.259.036.007.3212.905.997
Home Equity - 15 Yr 80%7.258.606.007.6013.006.4935
7 Yr ARM6.7137.9505.6256.2236.7095.550-49
3 Yr ARM6.6467.5005.7505.9408.0005.058-71
5 Yr ARM6.9097.9505.5006.0156.6134.750-89
15 Yr Fixed6.2217.0004.8755.9607.0005.143-26
20 Yr Fixed6.4406.8015.8636.1956.8755.500-24
30 Yr Fixed6.5867.2505.5006.4437.3445.250-14
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 Mo6.196.196.197.1710.354.4998
New Motorcycle-60 Mo5.695.695.696.8610.354.49117
Used Motorhome-60 Mo8.629.997.247.4610.744.49-116
New Motorhome-60 Mo8.1511.256.006.9910.493.99-116
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.8817.006.7410.4714.756.09-42
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* Represents the difference in the average rate between banks and credit unions.