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 - $10k1.773.840.010.633.550.10-114
6 Mo CD - $10k1.543.490.012.673.750.15113
9 Mo CD - $10k1.843.450.013.033.752.75119
1 Yr CD - $10k1.553.650.013.174.000.50162
18 Mo CD - $10k1.453.500.012.894.250.55143
2 Yr CD - $10k1.483.500.012.773.650.65129
30 Mo CD - $10k0.622.520.012.513.510.40189
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 - $100k1.543.490.012.683.750.15114
9 Mo CD - $100k1.843.450.013.033.752.75119
1 Yr CD - $100k1.553.650.013.174.000.50162
18 Mo CD - $100k1.735.050.012.914.250.55118
2 Yr CD - $100k1.483.500.012.783.650.65130
30 Mo CD - $100k0.622.520.012.423.200.40180
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 Checking0.242.720.010.080.300.01-16
IRA - 1 Year - $10k1.553.650.013.134.000.50158
IRA - 1 Year - $100k1.923.750.013.624.002.85170
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 - $2.5k0.161.000.010.481.500.0532
Money Market - $10k0.271.200.011.482.500.05121
High Rate Money Market - $10k0.613.150.011.082.000.2547
High Rate Money Market - $25k0.913.150.011.212.000.2531
Money Market - $25k0.351.440.011.562.500.10121
Money Market - $50k0.441.690.011.672.500.15123
High Rate Money Market - $50k0.973.150.011.662.470.2569
High Rate Money Market - $100k1.303.250.012.172.761.5088
Money Market - $100k0.532.280.011.752.500.25122
Money Market - $250k0.572.280.011.832.500.25126
High Rate Money Market - $250k1.703.500.012.273.001.5557
Money Market - $500k0.873.000.031.412.450.2555
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.993.000.031.653.400.2566
High Rate Savings0.040.050.022.002.002.00196
Regular Savings0.203.000.010.110.300.05-9
New Auto - 24 Mo7.228.995.445.146.003.89-208
New Auto - 36 Mo7.228.993.995.316.003.89-190
New Auto - 48 Mo7.318.993.995.356.004.24-196
New Auto - 60 Mo7.348.993.995.376.004.29-197
New Auto - 72 Mo7.368.993.995.727.254.59-164
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 Mo7.508.994.995.437.004.24-206
Used Auto - 48 Mo7.488.994.995.497.004.40-200
Used Auto - 60 Mo7.548.994.995.415.994.49-213
Used Auto - 72 Mo6.758.504.995.746.744.74-101
Used Auto - 84 Mo8.998.998.996.337.155.49-266
Used Boat-60 Mo   8.4711.245.50 
New Boat-60 Mo9.1210.258.258.7710.496.50-35
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%7.029.555.996.197.005.75-83
Home Equity - 5 Yr 80%6.817.296.256.937.346.4913
Home Equity - 10 Yr 80%6.907.496.137.097.656.0019
Home Equity - 15 Yr 80%7.127.596.257.227.956.259
7 Yr ARM6.0996.6505.3756.2146.3505.87511
3 Yr ARM5.7326.0005.5005.7976.0945.5006
5 Yr ARM6.0196.5075.5006.1656.5005.62515
15 Yr Fixed6.0086.2505.4376.2107.0005.58820
20 Yr Fixed6.5906.8016.1756.6116.6915.8612
30 Yr Fixed6.5636.7506.0006.5896.7716.0853
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 Mo   7.3110.055.60 
New Motorcycle-60 Mo   6.637.955.40 
Used Motorhome-60 Mo   7.8510.005.34 
New Motorhome-60 Mo9.009.008.998.509.756.50-49
Student Loan-10 Year7.067.067.064.254.254.25-281
Unsecured - 36 Mo12.1115.657.9910.8215.758.24-129
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* Represents the difference in the average rate between banks and credit unions.