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 - $10k1.773.840.010.633.550.10-114
6 Mo CD - $10k1.593.490.012.673.750.15108
9 Mo CD - $10k1.913.450.013.023.652.75111
1 Yr CD - $10k1.473.650.013.074.000.50160
18 Mo CD - $10k1.453.500.012.853.600.55140
2 Yr CD - $10k1.413.500.012.773.650.65136
30 Mo CD - $10k0.300.900.012.513.510.40221
3 Yr CD - $10k1.093.200.012.453.750.45136
4 Yr CD - $10k1.203.300.012.264.200.55106
5 Yr CD - $10k1.173.440.012.303.750.65114
3 Mo CD - $100k1.483.840.010.653.650.10-84
6 Mo CD - $100k1.593.490.012.683.750.15109
9 Mo CD - $100k1.913.450.013.023.652.75111
1 Yr CD - $100k1.473.650.013.084.000.50161
18 Mo CD - $100k1.735.050.012.873.660.55114
2 Yr CD - $100k1.413.500.012.783.650.65137
30 Mo CD - $100k0.300.900.012.423.200.40212
3 Yr CD - $100k1.093.200.012.463.750.45137
4 Yr CD - $100k1.263.300.012.143.750.5587
5 Yr CD - $100k1.223.440.012.313.750.65109
High Rate Checking0.030.040.011.753.000.25173
Basic Checking0.252.720.010.080.300.01-17
IRA - 1 Year - $10k1.583.650.013.044.000.50146
IRA - 1 Year - $100k2.153.240.013.574.002.85142
IRA - Liquid - $10k0.161.000.010.180.350.052
IRA - Liquid - $100k0.030.030.030.170.350.0514
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.161.000.010.631.500.0547
Money Market - $10k0.281.400.011.482.500.05120
High Rate Money Market - $10k0.582.960.011.082.000.2550
High Rate Money Market - $25k0.882.960.011.212.000.2533
Money Market - $25k0.361.600.011.562.500.10120
Money Market - $50k0.461.800.011.672.500.15122
High Rate Money Market - $50k0.952.960.011.662.470.2571
High Rate Money Market - $100k1.273.250.012.172.761.5090
Money Market - $100k0.552.280.011.752.500.25120
Money Market - $250k0.582.280.011.832.500.25125
High Rate Money Market - $250k1.683.500.012.273.001.5559
Money Market - $500k1.013.000.031.412.450.2540
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million1.163.000.031.653.400.2550
High Rate Savings0.040.050.022.002.002.00196
Regular Savings0.203.000.010.110.300.05-9
New Auto - 24 Mo7.228.995.445.076.003.89-215
New Auto - 36 Mo7.578.995.445.006.003.89-257
New Auto - 48 Mo7.648.995.445.046.004.24-260
New Auto - 60 Mo7.688.995.445.066.004.29-262
New Auto - 72 Mo8.048.996.755.417.254.59-263
New Auto - 84 Mo8.998.998.996.267.754.99-273
Used Auto - 24 Mo7.328.995.645.337.004.40-199
Used Auto - 36 Mo7.778.995.645.277.004.24-251
Used Auto - 48 Mo7.808.995.645.327.004.40-248
Used Auto - 60 Mo7.868.995.645.245.994.49-262
Used Auto - 72 Mo8.508.508.505.505.994.74-300
Used Auto - 84 Mo8.998.998.996.327.155.49-267
Used Boat-60 Mo   8.4711.245.50 
New Boat-60 Mo9.1210.258.258.7710.496.50-35
Rewards Credit Card17.7318.4916.4915.8518.746.99-188
Credit Card Platinum16.5818.249.7413.3217.246.99-326
Credit Card Classic17.5320.2414.9914.0016.9911.74-353
Home Equity - LOC 80%7.139.556.246.287.005.99-85
Home Equity - 5 Yr 80%6.857.296.507.027.346.5017
Home Equity - 10 Yr 80%7.057.496.507.127.656.007
Home Equity - 15 Yr 80%7.307.596.757.307.956.250
7 Yr ARM6.2316.6455.7506.1906.3505.875-4
3 Yr ARM5.7336.0005.5005.7676.0015.5003
5 Yr ARM6.0206.5075.5006.1336.5005.62511
15 Yr Fixed5.9736.1255.1256.1947.0005.58822
20 Yr Fixed6.5916.6366.1756.6136.6925.8612
30 Yr Fixed6.4726.7505.7506.6206.8986.02315
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 Mo   7.2310.055.60 
New Motorcycle-60 Mo   6.567.955.40 
Used Motorhome-60 Mo   7.6910.005.34 
New Motorhome-60 Mo9.009.008.998.449.755.99-55
Student Loan-10 Year6.106.106.104.254.254.25-185
Unsecured - 36 Mo12.1115.657.9910.8515.758.24-126
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* Represents the difference in the average rate between banks and credit unions.