RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 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 - $10k1.585.090.012.373.750.2079
6 Mo CD - $10k2.254.600.012.744.310.2549
9 Mo CD - $10k2.415.080.013.555.001.50114
1 Yr CD - $10k2.405.000.012.904.060.3050
18 Mo CD - $10k2.264.750.013.114.751.1084
2 Yr CD - $10k2.313.850.012.814.000.4051
30 Mo CD - $10k2.253.950.012.994.701.3973
3 Yr CD - $10k2.253.760.012.783.830.5053
4 Yr CD - $10k2.204.000.012.833.910.6063
5 Yr CD - $10k2.303.920.012.914.060.7061
3 Mo CD - $100k1.635.090.012.323.750.2069
6 Mo CD - $100k2.294.600.012.754.310.2546
9 Mo CD - $100k2.435.080.013.615.001.50118
1 Yr CD - $100k2.455.000.012.934.100.3048
18 Mo CD - $100k2.355.050.013.084.751.4573
2 Yr CD - $100k2.393.940.012.864.000.4047
30 Mo CD - $100k2.273.950.013.034.701.3976
3 Yr CD - $100k2.343.810.012.834.000.5049
4 Yr CD - $100k2.294.000.012.854.100.6057
5 Yr CD - $100k2.383.920.012.964.110.7058
High Rate Checking1.726.000.013.476.750.05176
Basic Checking0.182.000.010.243.750.016
HSA - $1k0.010.010.010.350.500.2034
HSA - $10k1.251.251.250.500.500.50-75
HSA - $25k   0.761.010.50 
IRA - 1 Year - $10k2.394.750.012.934.501.0054
IRA - 1 Year - $100k2.564.450.012.764.501.0021
IRA - Liquid - $10k1.014.450.010.693.600.01-32
IRA - Liquid - $100k1.314.450.010.723.600.05-60
High Rate Money Market - $2.5k0.530.750.301.452.150.7593
Money Market - $2.5k0.502.960.010.682.350.0518
Money Market - $10k0.602.960.010.802.470.0519
High Rate Money Market - $10k1.183.690.451.983.350.7581
High Rate Money Market - $25k1.333.690.702.023.350.7569
Money Market - $25k0.752.970.010.942.750.1019
Money Market - $50k0.883.060.011.092.750.1021
High Rate Money Market - $50k1.363.690.251.932.960.7557
High Rate Money Market - $100k1.613.690.272.062.961.0045
Money Market - $100k1.163.260.011.343.200.1018
Money Market - $250k1.333.540.011.463.200.1013
High Rate Money Market - $250k2.023.690.302.533.002.0051
Money Market - $500k1.233.200.011.493.500.1025
High Rate Money Market - $500k1.182.550.252.543.002.00136
High Rate Money Market - $1 million1.182.550.253.013.043.00183
Money Market - $1 million1.313.500.011.523.500.1021
High Rate Savings1.805.000.021.915.120.0111
Regular Savings0.294.350.010.203.250.01-9
New Auto - 24 Mo6.428.594.494.736.243.74-170
New Auto - 36 Mo7.1010.503.004.766.753.74-234
New Auto - 48 Mo7.1810.504.005.057.003.74-213
New Auto - 60 Mo7.2910.504.495.167.253.74-213
New Auto - 72 Mo7.3210.504.495.377.503.74-195
New Auto - 84 Mo7.158.595.395.779.803.74-138
Used Auto - 24 Mo6.9410.034.494.947.243.74-200
Used Auto - 36 Mo7.3510.504.005.0011.003.74-235
Used Auto - 48 Mo7.4011.004.495.2811.003.74-213
Used Auto - 60 Mo7.5011.004.495.3611.003.74-213
Used Auto - 72 Mo7.4710.504.995.5711.003.74-190
Used Auto - 84 Mo7.318.595.396.099.804.31-122
Used Boat-60 Mo7.939.845.756.348.504.49-159
New Boat-60 Mo7.8510.505.256.159.304.49-171
Rewards Credit Card16.8818.9911.2514.2818.007.90-260
Credit Card Platinum16.6419.2411.0012.4017.746.90-424
Credit Card Classic16.3128.2411.6513.7628.244.00-255
Home Equity - LOC 80%7.689.656.006.6511.743.50-103
Home Equity - 5 Yr 80%7.139.755.006.207.524.99-93
Home Equity - 10 Yr 80%7.9112.495.256.538.124.99-138
Home Equity - 15 Yr 80%8.1112.995.506.809.414.99-130
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo6.717.665.756.077.904.44-64
New Motorcycle-60 Mo7.087.845.755.958.504.44-113
Used Motorhome-60 Mo7.929.845.756.369.244.49-156
New Motorhome-60 Mo7.9210.995.096.209.304.49-172
Unsecured - 36 Mo11.4318.006.7410.8114.996.99-62
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* Represents the difference in the average rate between banks and credit unions.