RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.635.090.012.463.900.2082
6 Mo CD - $10k2.304.600.012.804.310.2549
9 Mo CD - $10k2.314.250.013.575.001.50127
1 Yr CD - $10k2.505.000.012.964.100.3046
18 Mo CD - $10k2.304.750.013.304.751.10100
2 Yr CD - $10k2.434.250.012.984.100.4055
30 Mo CD - $10k2.333.950.013.184.701.3985
3 Yr CD - $10k2.344.350.013.014.100.5068
4 Yr CD - $10k2.294.120.013.064.200.6077
5 Yr CD - $10k2.374.160.013.134.250.7076
3 Mo CD - $100k1.665.090.012.453.900.2079
6 Mo CD - $100k2.334.600.012.824.310.2548
9 Mo CD - $100k2.354.180.013.635.001.50128
1 Yr CD - $100k2.545.000.013.004.300.3046
18 Mo CD - $100k2.395.050.013.304.751.6091
2 Yr CD - $100k2.504.250.013.014.300.4052
30 Mo CD - $100k2.353.950.013.214.701.3986
3 Yr CD - $100k2.414.350.013.064.300.5064
4 Yr CD - $100k2.374.220.013.064.400.6070
5 Yr CD - $100k2.454.260.013.164.400.7071
High Rate Checking1.726.000.013.476.750.05176
Basic Checking0.172.000.010.233.750.016
HSA - $1k0.010.010.010.320.500.2031
HSA - $10k1.251.251.250.420.500.25-83
HSA - $25k   0.500.750.25 
IRA - 1 Year - $10k2.464.100.013.004.101.0054
IRA - 1 Year - $100k2.224.450.012.864.101.0064
IRA - Liquid - $10k1.034.450.010.713.600.01-32
IRA - Liquid - $100k1.334.450.010.723.600.05-61
High Rate Money Market - $2.5k0.530.550.501.452.150.7593
Money Market - $2.5k0.523.700.010.712.350.0519
Money Market - $10k0.633.700.010.832.470.0520
High Rate Money Market - $10k1.153.690.501.983.350.7584
High Rate Money Market - $25k1.303.690.502.023.350.7572
Money Market - $25k0.793.920.030.972.750.1019
Money Market - $50k0.913.920.031.122.970.1021
High Rate Money Market - $50k1.313.350.251.932.960.7562
High Rate Money Market - $100k1.593.690.272.062.961.0048
Money Market - $100k1.203.920.031.383.250.1018
Money Market - $250k1.373.920.031.543.550.1017
High Rate Money Market - $250k2.053.690.302.533.002.0048
Money Market - $500k1.343.400.011.493.500.1015
High Rate Money Market - $500k1.172.760.252.543.002.00137
High Rate Money Market - $1 million1.172.760.253.013.043.00184
Money Market - $1 million1.423.500.011.523.500.1011
High Rate Savings1.805.000.022.006.000.0120
Regular Savings0.284.350.010.213.500.01-8
New Auto - 24 Mo6.418.594.494.766.243.49-164
New Auto - 36 Mo7.0610.503.004.786.753.49-227
New Auto - 48 Mo7.1410.504.005.057.003.49-210
New Auto - 60 Mo7.2610.504.495.167.253.49-210
New Auto - 72 Mo7.2810.504.495.377.503.49-191
New Auto - 84 Mo7.158.595.395.647.743.49-151
Used Auto - 24 Mo6.638.594.494.936.643.99-170
Used Auto - 36 Mo7.3010.504.004.9911.003.79-230
Used Auto - 48 Mo7.3711.004.495.2611.003.99-210
Used Auto - 60 Mo7.4511.004.495.3411.003.74-211
Used Auto - 72 Mo7.4710.504.995.5611.003.74-191
Used Auto - 84 Mo7.318.595.396.069.804.44-125
Used Boat-60 Mo8.149.846.496.289.254.74-186
New Boat-60 Mo7.8210.505.256.099.304.57-174
Rewards Credit Card16.9218.9911.2514.3718.007.90-255
Credit Card Platinum16.7219.2411.6512.3717.746.90-435
Credit Card Classic16.6728.2411.6513.9028.244.00-276
Home Equity - LOC 80%7.509.506.006.5811.743.50-92
Home Equity - 5 Yr 80%7.219.755.006.147.524.99-107
Home Equity - 10 Yr 80%8.0112.495.256.478.124.99-154
Home Equity - 15 Yr 80%8.1912.995.506.779.414.99-142
7 Yr ARM6.5837.2505.7506.5477.2375.200-4
3 Yr ARM6.9247.9005.0005.1976.7974.234-173
5 Yr ARM6.6418.1535.0006.5087.3625.100-13
15 Yr Fixed6.2399.0004.6516.3167.4905.3758
20 Yr Fixed6.7149.0004.6186.4956.7655.736-22
30 Yr Fixed6.6129.0005.0886.6816.9555.8757
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.9837.2537.1727.17219
Used Motorcycle-60 Mo7.337.666.996.098.504.44-123
New Motorcycle-60 Mo7.507.846.995.907.324.44-159
Used Motorhome-60 Mo8.139.846.496.349.244.74-179
New Motorhome-60 Mo7.8810.995.096.179.304.74-171
Unsecured - 36 Mo11.4418.006.7410.9219.497.24-51
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* Represents the difference in the average rate between banks and credit unions.