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 - $10k1.523.800.012.295.330.1077
6 Mo CD - $10k2.194.250.012.969.000.1078
9 Mo CD - $10k2.184.000.013.645.331.44146
1 Yr CD - $10k2.304.500.013.104.000.1980
18 Mo CD - $10k2.223.800.013.045.330.2582
2 Yr CD - $10k2.123.800.012.883.790.5576
30 Mo CD - $10k1.543.750.012.963.751.00142
3 Yr CD - $10k2.063.650.012.793.750.9073
4 Yr CD - $10k2.033.600.012.814.200.8578
5 Yr CD - $10k2.063.750.012.913.800.9085
3 Mo CD - $100k1.574.000.012.395.330.1083
6 Mo CD - $100k2.224.250.012.949.000.1473
9 Mo CD - $100k2.234.000.013.655.331.44142
1 Yr CD - $100k2.324.500.013.104.000.2379
18 Mo CD - $100k2.293.800.013.055.330.2975
2 Yr CD - $100k2.163.800.012.893.800.6074
30 Mo CD - $100k1.583.750.012.943.801.00136
3 Yr CD - $100k2.073.650.012.813.900.9074
4 Yr CD - $100k2.053.690.012.813.800.9575
5 Yr CD - $100k2.083.750.012.953.811.0087
High Rate Checking0.542.020.013.256.250.35271
Basic Checking0.222.150.010.323.250.0110
IRA - 1 Year - $10k2.093.950.012.924.750.0583
IRA - 1 Year - $100k1.443.510.013.264.800.15182
IRA - Liquid - $10k1.004.420.010.864.590.01-14
IRA - Liquid - $100k0.320.700.010.774.590.0145
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.513.800.010.733.150.0122
Money Market - $10k0.583.800.010.833.150.0524
High Rate Money Market - $10k1.542.550.010.280.300.25-126
High Rate Money Market - $25k1.612.550.012.283.450.2567
Money Market - $25k0.703.800.010.933.150.0523
Money Market - $50k0.873.800.011.043.150.0517
High Rate Money Market - $50k1.793.110.012.303.450.2551
High Rate Money Market - $100k1.923.110.502.463.451.5054
Money Market - $100k1.153.800.011.283.150.0513
Money Market - $250k1.274.000.011.423.150.0514
High Rate Money Market - $250k2.013.250.502.503.451.5549
Money Market - $500k0.963.200.011.403.100.0543
High Rate Money Market - $500k   1.701.751.65 
High Rate Money Market - $1 million   1.801.951.65 
Money Market - $1 million0.983.200.011.563.820.0558
High Rate Savings1.453.820.022.413.750.1096
Regular Savings0.262.970.010.264.890.011
New Auto - 24 Mo5.676.114.944.816.853.34-85
New Auto - 36 Mo7.159.505.004.836.853.34-233
New Auto - 48 Mo7.1410.005.004.896.853.45-225
New Auto - 60 Mo7.1810.255.004.946.853.45-224
New Auto - 72 Mo7.1410.505.495.136.993.45-201
New Auto - 84 Mo6.106.894.945.596.993.99-51
Used Auto - 24 Mo5.776.194.945.036.853.84-75
Used Auto - 36 Mo7.5110.505.005.046.853.45-247
Used Auto - 48 Mo7.5210.505.005.116.853.45-241
Used Auto - 60 Mo7.4610.255.495.166.993.45-230
Used Auto - 72 Mo7.4810.505.495.377.253.45-211
Used Auto - 84 Mo6.117.394.945.817.753.99-30
Used Boat-60 Mo8.249.996.497.5811.244.49-66
New Boat-60 Mo8.1910.756.007.0410.993.99-115
Rewards Credit Card16.9320.248.7512.6117.996.00-432
Credit Card Platinum15.7920.248.7511.5917.997.90-420
Credit Card Classic15.4429.249.7412.1118.005.99-333
Home Equity - LOC 80%7.409.075.496.777.754.00-63
Home Equity - 5 Yr 80%7.059.035.386.799.905.50-26
Home Equity - 10 Yr 80%7.299.036.007.3412.905.995
Home Equity - 15 Yr 80%7.308.656.007.6513.006.4935
7 Yr ARM6.7757.9505.6256.2086.7095.550-57
3 Yr ARM6.6107.4405.6255.8828.1254.990-73
5 Yr ARM6.9247.9505.5005.9806.5004.750-94
15 Yr Fixed6.2777.7504.8755.9277.0005.143-35
20 Yr Fixed6.3926.5505.9906.1416.5795.500-25
30 Yr Fixed6.6377.2505.5006.3997.3445.000-24
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 Mo6.196.196.197.1810.354.4999
New Motorcycle-60 Mo5.695.695.696.8710.354.49118
Used Motorhome-60 Mo8.249.996.497.5310.744.49-71
New Motorhome-60 Mo8.2211.256.007.0510.243.99-117
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.8217.006.7410.4614.756.09-36
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* Represents the difference in the average rate between banks and credit unions.