RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 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 - $10k1.513.780.012.003.680.0249
6 Mo CD - $10k2.054.000.012.843.820.1579
9 Mo CD - $10k1.624.000.013.164.200.30154
1 Yr CD - $10k2.043.900.013.074.000.30103
18 Mo CD - $10k1.733.830.012.854.750.35112
2 Yr CD - $10k1.664.000.012.744.000.10108
30 Mo CD - $10k1.184.000.012.644.000.50145
3 Yr CD - $10k1.513.830.012.653.900.50114
4 Yr CD - $10k1.473.750.012.644.200.50117
5 Yr CD - $10k1.473.830.012.803.900.55133
3 Mo CD - $100k1.503.780.011.903.920.0240
6 Mo CD - $100k2.164.000.012.883.820.1572
9 Mo CD - $100k1.694.000.013.224.200.30153
1 Yr CD - $100k2.184.000.013.114.070.3092
18 Mo CD - $100k1.845.050.012.904.750.35106
2 Yr CD - $100k1.714.000.012.774.000.10106
30 Mo CD - $100k1.214.000.012.704.000.50149
3 Yr CD - $100k1.593.830.012.714.000.50112
4 Yr CD - $100k1.483.750.012.653.820.55117
5 Yr CD - $100k1.523.830.012.844.000.55131
High Rate Checking0.070.250.013.436.000.10336
Basic Checking0.113.000.000.363.500.0125
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.924.250.013.214.250.70129
IRA - 1 Year - $100k2.103.750.013.114.250.70101
IRA - Liquid - $10k0.603.750.010.644.080.013
IRA - Liquid - $100k0.462.750.010.714.080.0525
High Rate Money Market - $2.5k0.441.250.050.270.350.20-17
Money Market - $2.5k0.613.150.010.642.010.013
Money Market - $10k0.713.490.010.702.500.03-1
High Rate Money Market - $10k0.361.750.041.273.450.0191
High Rate Money Market - $25k0.451.750.051.233.450.0178
Money Market - $25k0.763.490.010.772.500.051
Money Market - $50k0.833.490.010.884.000.065
High Rate Money Market - $50k0.551.750.101.343.450.0179
High Rate Money Market - $100k0.902.570.101.773.450.3587
Money Market - $100k1.063.590.011.054.000.07-1
Money Market - $250k1.163.590.011.114.000.07-5
High Rate Money Market - $250k1.102.720.101.973.450.4088
Money Market - $500k1.102.850.051.052.790.07-5
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 million1.103.000.051.113.250.071
Youth/Student Savings   0.090.100.05 
High Rate Savings1.405.000.022.876.000.06147
Regular Savings0.173.450.010.214.080.014
New Auto - 24 Mo7.098.595.445.4013.253.89-169
New Auto - 36 Mo6.639.564.395.186.253.89-145
New Auto - 48 Mo6.739.564.495.226.503.99-151
New Auto - 60 Mo6.859.564.495.266.553.99-159
New Auto - 72 Mo6.899.564.495.377.743.99-152
New Auto - 84 Mo7.428.596.215.657.744.24-178
Used Auto - 24 Mo7.268.785.645.4710.593.99-180
Used Auto - 36 Mo6.729.564.395.297.003.99-143
Used Auto - 48 Mo6.839.564.495.347.003.99-149
Used Auto - 60 Mo6.909.564.495.387.003.99-152
Used Auto - 72 Mo6.919.564.495.487.193.99-143
Used Auto - 84 Mo7.638.786.385.8912.194.24-174
Used Boat-60 Mo9.2111.017.477.6310.494.49-157
New Boat-60 Mo8.3911.525.757.2710.494.49-112
Rewards Credit Card17.2223.2412.4513.5518.008.25-367
Credit Card Platinum16.0621.243.1011.7617.503.10-430
Credit Card Classic14.7428.2410.4512.6228.247.25-213
Home Equity - LOC 80%7.829.746.757.148.755.50-68
Home Equity - 5 Yr 80%7.859.184.007.109.255.00-75
Home Equity - 10 Yr 80%7.969.664.757.289.505.24-68
Home Equity - 15 Yr 80%8.1010.085.507.4510.005.24-66
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo8.7310.756.997.4910.244.49-125
New Motorcycle-60 Mo8.7310.756.997.4010.244.49-133
Used Motorhome-60 Mo9.1611.017.657.7010.504.49-147
New Motorhome-60 Mo8.4811.525.757.3310.504.49-116
Unsecured - 36 Mo11.0214.906.7410.6814.906.74-35
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* Represents the difference in the average rate between banks and credit unions.