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 - $10k1.523.890.011.973.680.0246
6 Mo CD - $10k2.054.000.012.823.820.1577
9 Mo CD - $10k1.644.090.013.134.200.30149
1 Yr CD - $10k2.034.000.013.074.000.30104
18 Mo CD - $10k1.773.940.012.904.750.35112
2 Yr CD - $10k1.694.000.012.754.000.10106
30 Mo CD - $10k1.134.000.012.644.000.50150
3 Yr CD - $10k1.533.830.012.684.000.50115
4 Yr CD - $10k1.503.800.012.664.200.50116
5 Yr CD - $10k1.513.830.012.803.900.55129
3 Mo CD - $100k1.443.890.011.873.920.0243
6 Mo CD - $100k2.144.000.012.853.820.1571
9 Mo CD - $100k1.704.090.013.184.200.30148
1 Yr CD - $100k2.184.000.013.104.070.3092
18 Mo CD - $100k1.875.050.012.954.750.35108
2 Yr CD - $100k1.754.000.012.794.000.10104
30 Mo CD - $100k1.184.000.012.704.000.50152
3 Yr CD - $100k1.593.830.012.734.100.50114
4 Yr CD - $100k1.493.800.012.684.200.55119
5 Yr CD - $100k1.523.830.012.844.000.55132
High Rate Checking0.070.250.013.536.000.10346
Basic Checking0.143.000.000.363.500.0122
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.914.250.013.194.250.70128
IRA - 1 Year - $100k1.653.850.013.134.250.70148
IRA - Liquid - $10k0.603.750.010.634.080.013
IRA - Liquid - $100k0.462.750.010.714.080.0524
High Rate Money Market - $2.5k0.441.250.050.270.350.20-17
Money Market - $2.5k0.613.300.010.642.010.012
Money Market - $10k0.703.490.010.702.500.03-1
High Rate Money Market - $10k0.523.500.041.233.450.0171
High Rate Money Market - $25k0.613.640.051.193.450.0158
Money Market - $25k0.853.490.010.772.500.05-8
Money Market - $50k0.923.490.010.884.000.06-4
High Rate Money Market - $50k0.673.640.101.323.450.0165
High Rate Money Market - $100k1.043.640.101.753.450.3572
Money Market - $100k1.163.590.011.054.000.07-11
Money Market - $250k1.243.590.011.104.000.07-13
High Rate Money Market - $250k1.233.640.101.963.450.4073
Money Market - $500k1.333.400.051.052.790.07-28
High Rate Money Market - $500k1.992.650.751.672.730.40-32
High Rate Money Market - $1 million2.092.801.002.043.250.40-5
Money Market - $1 million1.323.400.051.113.250.07-21
Youth/Student Savings   0.090.100.05 
High Rate Savings1.365.000.022.816.000.06145
Regular Savings0.173.600.010.214.080.014
New Auto - 24 Mo7.078.595.145.3713.253.89-170
New Auto - 36 Mo6.749.564.495.196.503.79-156
New Auto - 48 Mo6.809.564.495.236.503.79-156
New Auto - 60 Mo6.939.564.495.286.743.79-166
New Auto - 72 Mo6.949.564.495.387.743.79-156
New Auto - 84 Mo7.448.596.215.657.744.24-180
Used Auto - 24 Mo7.258.785.345.4610.593.99-179
Used Auto - 36 Mo6.799.564.495.307.253.79-148
Used Auto - 48 Mo6.899.564.495.357.253.79-154
Used Auto - 60 Mo6.969.564.495.397.253.79-157
Used Auto - 72 Mo6.989.564.495.497.253.79-148
Used Auto - 84 Mo7.658.786.385.9012.194.49-174
Used Boat-60 Mo9.2111.017.477.5610.494.49-164
New Boat-60 Mo8.4011.525.757.2410.494.49-116
Rewards Credit Card17.1223.2412.4513.5618.008.25-356
Credit Card Platinum16.0621.243.1011.7717.503.10-429
Credit Card Classic14.7428.2410.4512.6228.247.25-213
Home Equity - LOC 80%7.819.746.757.088.754.49-73
Home Equity - 5 Yr 80%7.799.184.007.109.255.00-69
Home Equity - 10 Yr 80%7.969.664.757.279.505.24-69
Home Equity - 15 Yr 80%8.1610.085.507.4610.005.24-71
7 Yr ARM6.4887.4405.6256.4076.9885.625-8
3 Yr ARM5.9346.3605.3756.3156.3746.09438
5 Yr ARM6.3927.4465.5006.4477.2505.3755
15 Yr Fixed6.1118.5405.4906.0727.1105.250-4
20 Yr Fixed6.4346.8076.0036.6408.1565.75021
30 Yr Fixed6.6167.2505.7506.6497.6605.9903
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 Mo8.7810.757.127.5010.244.49-128
New Motorcycle-60 Mo8.7810.757.127.4110.244.49-137
Used Motorhome-60 Mo9.1711.017.687.6110.504.49-156
New Motorhome-60 Mo8.4911.525.757.3010.504.49-120
Unsecured - 36 Mo11.0614.906.7410.7614.907.65-30
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* Represents the difference in the average rate between banks and credit unions.