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 - $10k1.553.840.010.823.550.10-73
6 Mo CD - $10k1.533.490.012.673.750.15114
9 Mo CD - $10k2.113.740.013.073.752.8596
1 Yr CD - $10k1.573.750.013.184.250.50161
18 Mo CD - $10k1.633.690.012.904.250.55127
2 Yr CD - $10k1.443.500.012.773.650.65133
30 Mo CD - $10k0.290.900.012.513.510.40222
3 Yr CD - $10k1.103.200.012.473.800.45137
4 Yr CD - $10k1.123.300.012.264.200.55114
5 Yr CD - $10k1.193.440.012.303.750.65111
3 Mo CD - $100k1.473.840.010.843.650.10-63
6 Mo CD - $100k1.533.490.012.683.750.15114
9 Mo CD - $100k2.113.740.013.073.752.8596
1 Yr CD - $100k1.573.750.013.194.250.50162
18 Mo CD - $100k1.915.050.012.924.250.55101
2 Yr CD - $100k1.443.500.012.783.650.65134
30 Mo CD - $100k0.290.900.012.423.200.40213
3 Yr CD - $100k1.103.200.012.483.850.45138
4 Yr CD - $100k1.263.300.012.143.750.5587
5 Yr CD - $100k1.243.440.012.313.750.65107
High Rate Checking0.030.040.011.753.000.25173
Basic Checking0.242.720.010.080.300.01-16
IRA - 1 Year - $10k1.463.750.013.144.250.50168
IRA - 1 Year - $100k1.593.750.013.674.252.85208
IRA - Liquid - $10k0.151.000.010.180.350.053
IRA - Liquid - $100k0.040.050.030.170.350.0513
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.151.000.010.501.500.0535
Money Market - $10k0.261.200.011.482.500.05122
High Rate Money Market - $10k0.582.960.011.082.000.2550
High Rate Money Market - $25k0.882.960.011.212.000.2533
Money Market - $25k0.331.440.011.562.500.10123
Money Market - $50k0.421.690.011.732.600.15131
High Rate Money Market - $50k0.952.960.011.662.470.2571
High Rate Money Market - $100k1.273.250.012.172.761.5090
Money Market - $100k0.512.280.011.812.600.25131
Money Market - $250k0.492.050.011.892.600.25140
High Rate Money Market - $250k1.683.500.012.273.001.5559
Money Market - $500k0.773.000.031.432.600.2567
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.873.000.031.673.400.2580
High Rate Savings0.040.050.022.002.002.00196
Regular Savings0.192.800.010.110.300.05-8
New Auto - 24 Mo7.228.995.445.056.003.89-216
New Auto - 36 Mo7.178.993.995.306.093.89-187
New Auto - 48 Mo7.268.993.995.336.094.24-193
New Auto - 60 Mo7.308.993.995.366.094.29-194
New Auto - 72 Mo7.288.993.995.707.254.59-157
New Auto - 84 Mo8.998.998.996.307.754.99-269
Used Auto - 24 Mo7.328.995.645.377.004.40-194
Used Auto - 36 Mo7.458.994.995.467.004.24-199
Used Auto - 48 Mo7.438.994.995.517.004.40-192
Used Auto - 60 Mo7.488.994.995.446.094.49-205
Used Auto - 72 Mo6.758.504.995.766.994.74-99
Used Auto - 84 Mo8.998.998.996.337.155.49-266
Used Boat-60 Mo   8.4711.245.50 
New Boat-60 Mo9.1210.258.258.7110.496.50-41
Rewards Credit Card17.7318.4916.4916.2118.7412.90-151
Credit Card Platinum16.5818.249.7413.5217.248.90-306
Credit Card Classic17.5320.2414.9914.0016.9911.74-353
Home Equity - LOC 80%7.109.775.996.177.005.75-92
Home Equity - 5 Yr 80%6.847.136.256.947.346.4911
Home Equity - 10 Yr 80%6.917.506.137.127.656.2521
Home Equity - 15 Yr 80%7.137.756.387.237.956.4910
7 Yr ARM6.1206.6455.3756.2836.4755.87516
3 Yr ARM5.8446.5605.2505.8576.2485.5001
5 Yr ARM6.0726.5075.3756.2436.5005.62517
15 Yr Fixed6.0956.2505.5006.4007.0005.62531
20 Yr Fixed6.6776.9266.1756.8646.8186.36719
30 Yr Fixed6.7036.8756.0006.7756.8986.3757
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 Mo   7.5210.055.60 
New Motorcycle-60 Mo   6.747.955.40 
Used Motorhome-60 Mo   8.5211.245.34 
New Motorhome-60 Mo9.009.008.998.7310.496.50-27
Student Loan-10 Year7.057.057.054.254.254.25-280
Unsecured - 36 Mo12.1115.657.9911.1915.758.24-92
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* Represents the difference in the average rate between banks and credit unions.