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 - $10k1.453.890.011.933.600.0248
6 Mo CD - $10k1.973.990.012.843.880.1587
9 Mo CD - $10k1.744.100.013.024.200.30128
1 Yr CD - $10k2.134.150.013.134.000.30100
18 Mo CD - $10k1.804.300.012.934.750.35113
2 Yr CD - $10k1.764.300.012.784.250.10103
30 Mo CD - $10k1.204.000.012.704.000.50149
3 Yr CD - $10k1.584.000.012.704.000.50112
4 Yr CD - $10k1.484.000.012.674.200.50119
5 Yr CD - $10k1.504.000.012.844.150.55134
3 Mo CD - $100k1.433.890.011.823.600.0240
6 Mo CD - $100k2.113.990.012.883.880.1576
9 Mo CD - $100k1.774.100.013.074.200.30130
1 Yr CD - $100k2.234.150.013.164.070.3093
18 Mo CD - $100k1.895.050.012.984.750.35108
2 Yr CD - $100k1.774.300.012.824.250.10105
30 Mo CD - $100k1.234.000.012.784.000.50154
3 Yr CD - $100k1.654.000.012.764.100.50111
4 Yr CD - $100k1.484.000.012.694.200.55120
5 Yr CD - $100k1.564.000.012.884.250.55132
High Rate Checking0.070.250.013.666.000.10360
Basic Checking0.143.000.000.353.500.0121
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.964.250.013.214.250.70125
IRA - 1 Year - $100k1.734.000.013.154.250.70142
IRA - Liquid - $10k0.603.750.010.644.080.014
IRA - Liquid - $100k0.462.750.010.714.080.0524
High Rate Money Market - $2.5k0.481.250.050.270.350.20-21
Money Market - $2.5k0.633.250.010.652.010.012
Money Market - $10k0.723.490.010.712.500.03-1
High Rate Money Market - $10k0.703.440.041.183.450.0148
High Rate Money Market - $25k0.813.580.061.163.450.0135
Money Market - $25k0.873.490.010.782.500.05-9
Money Market - $50k0.933.490.010.893.700.06-4
High Rate Money Market - $50k0.883.580.101.303.450.0142
High Rate Money Market - $100k1.053.580.101.753.450.3570
Money Market - $100k1.163.590.011.043.700.07-12
Money Market - $250k1.263.590.011.103.700.07-15
High Rate Money Market - $250k1.263.580.101.963.450.4070
Money Market - $500k1.203.400.051.042.790.07-17
High Rate Money Market - $500k2.032.760.751.672.730.40-36
High Rate Money Market - $1 million2.092.761.002.043.250.40-5
Money Market - $1 million1.203.400.051.103.250.07-10
Youth/Student Savings   0.090.100.05 
High Rate Savings1.255.000.022.956.000.06170
Regular Savings0.173.600.010.204.080.013
New Auto - 24 Mo7.098.595.195.3313.253.89-175
New Auto - 36 Mo6.7710.804.645.176.503.79-159
New Auto - 48 Mo6.949.564.745.216.503.79-172
New Auto - 60 Mo7.009.564.745.276.993.79-174
New Auto - 72 Mo7.069.564.745.377.743.79-169
New Auto - 84 Mo7.448.596.215.597.743.99-186
Used Auto - 24 Mo7.268.785.395.4510.593.99-181
Used Auto - 36 Mo6.9510.804.645.287.253.79-166
Used Auto - 48 Mo7.049.564.745.337.253.79-172
Used Auto - 60 Mo7.069.564.745.387.253.79-168
Used Auto - 72 Mo7.069.564.745.497.253.79-157
Used Auto - 84 Mo7.648.786.385.8612.194.24-178
Used Boat-60 Mo9.2111.017.477.4310.493.65-178
New Boat-60 Mo8.3611.525.757.2310.494.49-113
Rewards Credit Card16.9620.4911.2513.6418.008.25-332
Credit Card Platinum15.9021.243.1011.7617.503.10-415
Credit Card Classic14.7628.2410.4512.6028.247.25-216
Home Equity - LOC 80%7.829.746.757.078.755.50-75
Home Equity - 5 Yr 80%7.809.434.007.109.435.00-70
Home Equity - 10 Yr 80%7.989.664.757.289.515.24-70
Home Equity - 15 Yr 80%8.1410.085.507.4410.005.24-71
7 Yr ARM6.6877.4406.1626.4556.9885.625-23
3 Yr ARM5.9726.4205.3756.3306.5016.00036
5 Yr ARM6.6668.1535.5006.5147.2505.750-15
15 Yr Fixed6.2678.5405.6256.1757.1105.250-9
20 Yr Fixed6.5527.0726.1296.6688.1565.75012
30 Yr Fixed6.6967.2506.0006.7587.6605.9906
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 Mo8.7710.757.117.3510.243.05-142
New Motorcycle-60 Mo8.7710.757.117.5211.844.49-125
Used Motorhome-60 Mo9.1911.017.817.4910.503.65-170
New Motorhome-60 Mo8.4811.525.757.2910.504.49-120
Unsecured - 36 Mo11.1514.906.7410.7514.907.65-40
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* Represents the difference in the average rate between banks and credit unions.