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 - $10k0.993.600.012.633.900.15164
6 Mo CD - $10k1.713.750.023.034.050.45131
9 Mo CD - $10k1.123.500.013.383.952.45225
1 Yr CD - $10k1.823.750.023.164.250.40134
18 Mo CD - $10k1.703.850.023.233.950.45153
2 Yr CD - $10k1.663.900.023.044.100.50138
30 Mo CD - $10k1.653.900.033.044.050.50140
3 Yr CD - $10k1.663.900.023.004.050.60134
4 Yr CD - $10k1.673.950.022.924.200.70125
5 Yr CD - $10k1.614.000.022.974.100.80136
3 Mo CD - $100k1.023.600.012.653.900.15163
6 Mo CD - $100k1.733.750.033.054.150.50132
9 Mo CD - $100k1.333.500.013.453.952.70212
1 Yr CD - $100k1.823.750.033.244.250.45142
18 Mo CD - $100k1.723.850.033.253.950.45153
2 Yr CD - $100k1.703.900.033.064.100.55136
30 Mo CD - $100k1.693.900.033.104.050.55141
3 Yr CD - $100k1.693.900.032.994.050.70129
4 Yr CD - $100k1.683.950.032.904.050.80122
5 Yr CD - $100k1.654.000.032.994.100.90135
High Rate Checking0.010.010.010.250.250.2524
Basic Checking0.201.200.010.110.500.01-9
IRA - 1 Year - $10k1.743.750.013.054.250.15130
IRA - 1 Year - $100k1.683.510.103.804.053.45212
IRA - Liquid - $10k0.362.500.010.695.300.0133
IRA - Liquid - $100k0.631.850.010.692.400.016
High Rate Money Market - $2.5k1.001.250.750.250.250.25-75
Money Market - $2.5k0.483.000.011.214.930.1074
Money Market - $10k0.553.000.011.082.020.1553
High Rate Money Market - $10k1.083.010.100.250.250.25-83
High Rate Money Market - $25k1.043.400.050.250.250.25-79
Money Market - $25k0.643.000.011.011.980.2537
Money Market - $50k0.683.000.011.112.050.3043
High Rate Money Market - $50k1.243.400.050.250.250.25-99
High Rate Money Market - $100k1.433.400.072.232.951.5079
Money Market - $100k0.803.200.011.182.700.4037
Money Market - $250k0.893.200.011.233.450.4034
High Rate Money Market - $250k1.793.400.072.252.951.5546
Money Market - $500k1.153.250.151.913.450.5576
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 million1.213.250.152.053.900.5584
High Rate Savings1.203.500.04    
Regular Savings0.341.750.010.140.400.01-20
New Auto - 24 Mo6.978.595.445.197.753.89-179
New Auto - 36 Mo6.8510.004.744.957.753.89-190
New Auto - 48 Mo6.9710.004.905.086.993.90-188
New Auto - 60 Mo7.0410.005.305.216.993.90-182
New Auto - 72 Mo7.2110.005.505.376.994.25-184
New Auto - 84 Mo7.778.597.245.917.245.00-186
Used Auto - 24 Mo7.018.595.645.397.754.74-163
Used Auto - 36 Mo7.3810.004.745.168.993.99-223
Used Auto - 48 Mo7.4110.004.905.308.994.25-211
Used Auto - 60 Mo7.3510.005.305.428.994.25-193
Used Auto - 72 Mo7.199.605.505.506.994.25-170
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 Card17.4629.9011.8012.9317.996.99-453
Credit Card Platinum15.7017.4912.5012.0617.996.99-363
Credit Card Classic15.0319.4911.1512.1718.008.49-286
Home Equity - LOC 80%7.389.524.997.017.504.99-37
Home Equity - 5 Yr 80%8.199.047.137.177.746.89-101
Home Equity - 10 Yr 80%7.999.077.137.097.996.50-90
Home Equity - 15 Yr 80%8.069.107.357.309.005.50-75
7 Yr ARM6.4337.0895.6256.4647.2855.6253
3 Yr ARM5.8966.3375.125 
5 Yr ARM5.9916.5075.5006.2156.5085.37522
15 Yr Fixed6.2386.7505.3755.8756.8293.183-36
20 Yr Fixed6.5796.5706.3415.8986.8293.238-68
30 Yr Fixed6.7397.2115.8756.3366.8753.420-40
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 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 Mo10.9014.756.7410.6516.248.74-24
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* Represents the difference in the average rate between banks and credit unions.