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 - $10k1.043.500.012.483.900.15144
6 Mo CD - $10k1.743.750.023.014.150.45127
9 Mo CD - $10k1.123.500.013.413.952.45229
1 Yr CD - $10k1.833.750.023.164.250.40133
18 Mo CD - $10k1.733.850.023.213.950.45148
2 Yr CD - $10k1.673.900.023.094.100.50141
30 Mo CD - $10k1.623.900.033.074.050.50144
3 Yr CD - $10k1.663.900.023.024.050.60136
4 Yr CD - $10k1.683.950.022.954.200.70127
5 Yr CD - $10k1.604.000.023.004.100.80139
3 Mo CD - $100k1.073.500.012.493.900.15142
6 Mo CD - $100k1.753.750.033.034.250.50128
9 Mo CD - $100k1.333.600.013.493.952.70215
1 Yr CD - $100k1.853.750.033.254.250.45140
18 Mo CD - $100k1.753.850.033.233.950.45149
2 Yr CD - $100k1.693.900.033.114.100.55142
30 Mo CD - $100k1.663.900.033.124.050.55146
3 Yr CD - $100k1.703.900.033.014.050.70131
4 Yr CD - $100k1.723.950.032.934.050.80121
5 Yr CD - $100k1.644.000.033.024.100.90138
High Rate Checking0.010.010.010.250.250.2524
Basic Checking0.201.200.010.110.500.01-9
IRA - 1 Year - $10k1.713.750.013.044.250.15133
IRA - 1 Year - $100k1.102.720.033.804.053.20269
IRA - Liquid - $10k0.362.500.010.695.300.0134
IRA - Liquid - $100k0.631.850.010.692.400.016
High Rate Money Market - $2.5k1.001.250.750.250.250.25-75
Money Market - $2.5k0.473.000.011.224.930.1075
Money Market - $10k0.533.000.011.092.020.1556
High Rate Money Market - $10k0.983.010.100.250.250.25-73
High Rate Money Market - $25k1.043.400.050.250.250.25-79
Money Market - $25k0.673.340.011.011.980.2535
Money Market - $50k0.713.340.011.112.200.3040
High Rate Money Market - $50k1.093.400.050.250.250.25-84
High Rate Money Market - $100k1.353.400.072.232.951.5088
Money Market - $100k0.853.340.011.202.700.4036
Money Market - $250k0.943.340.011.303.450.4036
High Rate Money Market - $250k1.713.400.072.252.951.5554
Money Market - $500k1.423.400.151.913.450.5550
High Rate Money Market - $500k2.002.002.001.751.751.75-25
High Rate Money Market - $1 million2.002.002.001.951.951.95-5
Money Market - $1 million1.473.400.152.053.900.5557
High Rate Savings1.193.500.02    
Regular Savings0.341.750.010.140.400.01-19
New Auto - 24 Mo6.978.595.445.197.753.89-179
New Auto - 36 Mo6.8610.004.744.957.753.89-192
New Auto - 48 Mo6.9710.004.905.076.993.90-191
New Auto - 60 Mo7.0410.005.305.196.993.90-185
New Auto - 72 Mo7.2210.005.505.356.994.25-187
New Auto - 84 Mo7.778.597.245.857.244.50-192
Used Auto - 24 Mo7.018.595.645.397.754.74-163
Used Auto - 36 Mo7.3910.004.745.158.993.99-224
Used Auto - 48 Mo7.4210.004.905.308.994.25-212
Used Auto - 60 Mo7.3610.005.305.418.994.25-195
Used Auto - 72 Mo7.219.605.505.496.994.25-172
Used Auto - 84 Mo7.778.597.246.047.245.00-174
Used Boat-60 Mo9.629.949.297.929.006.75-170
New Boat-60 Mo7.6210.255.907.7810.034.9916
Rewards Credit Card16.6520.5011.8012.8617.996.99-378
Credit Card Platinum15.0617.4910.4912.0617.996.99-300
Credit Card Classic15.0119.499.6512.1718.008.49-284
Home Equity - LOC 80%7.489.904.997.017.504.99-47
Home Equity - 5 Yr 80%8.339.197.257.187.746.89-115
Home Equity - 10 Yr 80%8.159.277.257.157.996.50-100
Home Equity - 15 Yr 80%8.219.307.357.4810.495.50-73
7 Yr ARM6.2936.5005.6256.4997.2855.87521
3 Yr ARM6.0726.5215.375 
5 Yr ARM5.9906.5075.5006.2676.6125.62528
15 Yr Fixed6.1846.7505.3755.8816.8293.183-30
20 Yr Fixed6.7526.8016.4855.8626.8293.238-89
30 Yr Fixed6.6867.2116.0006.3386.8293.420-35
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 Mo10.1910.1910.198.1010.056.75-209
New Motorcycle-60 Mo10.1910.1910.197.709.245.99-249
Used Motorhome-60 Mo9.7610.049.298.349.996.75-142
New Motorhome-60 Mo7.9810.255.907.9110.035.75-6
Unsecured - 36 Mo10.9514.756.7410.6516.248.74-30
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* Represents the difference in the average rate between banks and credit unions.