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 - $10k1.605.090.012.423.800.2081
6 Mo CD - $10k2.284.600.012.754.310.2547
9 Mo CD - $10k2.344.000.013.565.001.50122
1 Yr CD - $10k2.425.000.012.924.060.3050
18 Mo CD - $10k2.294.750.013.254.751.1097
2 Yr CD - $10k2.334.060.012.934.100.4060
30 Mo CD - $10k2.293.950.013.134.701.3984
3 Yr CD - $10k2.294.000.012.924.080.5064
4 Yr CD - $10k2.254.100.012.964.100.6071
5 Yr CD - $10k2.324.150.013.014.150.7069
3 Mo CD - $100k1.665.090.012.413.800.2075
6 Mo CD - $100k2.304.600.012.774.310.2547
9 Mo CD - $100k2.384.000.013.625.001.50124
1 Yr CD - $100k2.475.000.012.964.200.3049
18 Mo CD - $100k2.375.050.013.254.751.4588
2 Yr CD - $100k2.434.060.012.974.200.4054
30 Mo CD - $100k2.293.950.013.164.701.3986
3 Yr CD - $100k2.364.100.012.974.200.5060
4 Yr CD - $100k2.334.200.012.964.300.6064
5 Yr CD - $100k2.404.150.013.064.300.7066
High Rate Checking1.726.000.013.476.750.05176
Basic Checking0.172.000.010.243.750.016
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 - $10k2.414.750.012.954.501.0054
IRA - 1 Year - $100k3.7825.000.012.794.501.00-99
IRA - Liquid - $10k1.024.450.010.703.600.01-32
IRA - Liquid - $100k1.314.450.010.723.600.05-60
High Rate Money Market - $2.5k0.400.500.301.452.150.75105
Money Market - $2.5k0.513.450.010.682.350.0517
Money Market - $10k0.623.450.010.812.470.0519
High Rate Money Market - $10k1.113.690.451.983.350.7587
High Rate Money Market - $25k1.263.690.502.023.350.7575
Money Market - $25k0.773.450.010.952.750.1018
Money Market - $50k0.913.450.011.113.650.1020
High Rate Money Market - $50k1.313.690.251.932.960.7562
High Rate Money Market - $100k1.563.690.272.062.961.0051
Money Market - $100k1.193.450.011.353.200.1016
Money Market - $250k1.373.540.011.483.200.1011
High Rate Money Market - $250k1.943.690.302.533.002.0059
Money Market - $500k1.343.400.011.513.500.1017
High Rate Money Market - $500k1.102.550.252.543.002.00144
High Rate Money Market - $1 million1.102.550.253.013.043.00191
Money Market - $1 million1.423.500.011.553.500.1013
High Rate Savings1.805.000.022.006.000.0120
Regular Savings0.294.350.010.213.500.01-9
New Auto - 24 Mo6.398.594.494.726.243.74-168
New Auto - 36 Mo7.0710.503.004.766.753.74-232
New Auto - 48 Mo7.1710.504.005.047.003.74-212
New Auto - 60 Mo7.2510.504.495.167.253.74-209
New Auto - 72 Mo7.2810.504.495.367.503.74-192
New Auto - 84 Mo7.158.595.395.779.803.74-138
Used Auto - 24 Mo6.9110.034.494.876.643.74-204
Used Auto - 36 Mo7.3110.504.004.9711.003.74-234
Used Auto - 48 Mo7.3811.004.495.2511.003.74-213
Used Auto - 60 Mo7.4611.004.495.3311.003.74-213
Used Auto - 72 Mo7.4510.504.995.5311.003.74-192
Used Auto - 84 Mo7.318.595.396.049.804.31-127
Used Boat-60 Mo8.149.846.496.319.254.49-182
New Boat-60 Mo7.8110.505.256.119.304.49-171
Rewards Credit Card16.9419.4911.2514.0318.001.98-291
Credit Card Platinum16.7419.2411.6512.4017.746.90-433
Credit Card Classic16.3428.2411.6513.6428.240.99-270
Home Equity - LOC 80%7.569.506.006.5711.743.50-99
Home Equity - 5 Yr 80%7.149.755.006.147.524.99-100
Home Equity - 10 Yr 80%7.9412.495.256.488.124.99-145
Home Equity - 15 Yr 80%8.1412.995.506.769.414.99-138
7 Yr ARM6.4477.0005.6256.4937.2095.2005
3 Yr ARM6.8167.6505.0005.1786.7324.234-164
5 Yr ARM6.5387.7755.0006.4687.3425.100-7
15 Yr Fixed6.1259.0004.6516.2287.4905.37510
20 Yr Fixed6.6309.0004.6186.4596.8585.736-17
30 Yr Fixed6.5069.0005.0886.5836.9295.8758
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-Jumbo6.9156.8446.8447.2447.1727.17233
Used Motorcycle-60 Mo7.337.666.996.108.504.44-123
New Motorcycle-60 Mo7.507.846.995.917.324.44-159
Used Motorhome-60 Mo8.139.846.496.359.244.49-178
New Motorhome-60 Mo7.8810.995.096.189.304.49-170
Unsecured - 36 Mo11.4518.006.7410.8414.996.99-61
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* Represents the difference in the average rate between banks and credit unions.