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 - $10k1.723.960.013.353.900.05163
6 Mo CD - $10k2.734.150.013.594.150.7587
9 Mo CD - $10k2.264.090.013.645.001.00138
1 Yr CD - $10k2.984.150.013.854.502.3587
18 Mo CD - $10k2.584.100.013.824.501.75124
2 Yr CD - $10k2.604.110.013.844.252.25124
30 Mo CD - $10k1.644.500.013.824.052.25218
3 Yr CD - $10k2.554.150.013.794.252.15124
4 Yr CD - $10k2.444.150.013.834.152.15140
5 Yr CD - $10k2.554.200.013.854.152.15131
3 Mo CD - $100k1.793.960.013.403.900.05161
6 Mo CD - $100k2.784.150.013.604.150.7582
9 Mo CD - $100k2.314.090.013.635.001.00132
1 Yr CD - $100k3.074.150.013.834.502.3576
18 Mo CD - $100k2.594.100.013.814.501.75122
2 Yr CD - $100k2.574.110.013.844.252.25127
30 Mo CD - $100k1.745.000.013.804.052.25206
3 Yr CD - $100k2.524.150.013.794.252.15127
4 Yr CD - $100k2.414.150.013.824.152.15142
5 Yr CD - $100k2.514.200.013.854.152.15133
High Rate Checking2.755.000.011.032.000.10-172
Basic Checking0.120.500.010.234.000.0211
IRA - 1 Year - $10k2.574.150.013.694.000.55112
IRA - 1 Year - $100k1.883.700.013.664.000.55178
IRA - Liquid - $10k0.884.000.010.995.300.0512
IRA - Liquid - $100k1.303.030.011.253.850.05-5
High Rate Money Market - $2.5k0.701.250.15    
Money Market - $2.5k0.873.690.010.893.000.053
Money Market - $10k0.953.690.011.083.000.0514
High Rate Money Market - $10k0.681.750.100.951.240.5027
High Rate Money Market - $25k0.731.750.151.471.980.5573
Money Market - $25k1.263.690.011.483.100.1022
Money Market - $50k1.373.690.011.723.100.4036
High Rate Money Market - $50k0.781.750.251.642.090.6085
High Rate Money Market - $100k1.051.750.202.562.742.42151
Money Market - $100k1.803.690.012.173.100.3537
Money Market - $250k1.993.690.012.713.750.3572
High Rate Money Market - $250k1.252.550.203.103.482.50185
Money Market - $500k1.743.560.152.513.450.3578
High Rate Money Market - $500k2.332.652.00    
High Rate Money Market - $1 million2.402.802.00    
Money Market - $1 million1.773.560.152.713.900.3594
High Rate Savings1.894.200.022.033.500.1015
Regular Savings1.054.000.010.110.750.03-94
New Auto - 24 Mo6.278.594.744.846.243.50-143
New Auto - 36 Mo6.279.002.654.946.243.50-133
New Auto - 48 Mo6.399.002.654.966.243.50-143
New Auto - 60 Mo6.449.002.654.865.953.50-158
New Auto - 72 Mo6.659.252.655.166.354.00-149
New Auto - 84 Mo6.908.595.495.826.405.09-109
Used Auto - 24 Mo6.328.784.744.926.243.50-140
Used Auto - 36 Mo6.389.253.804.986.243.50-141
Used Auto - 48 Mo6.589.255.245.036.743.50-155
Used Auto - 60 Mo6.559.253.804.905.953.50-165
Used Auto - 72 Mo6.509.503.805.196.354.00-131
Used Auto - 84 Mo6.958.785.495.886.405.29-106
Used Boat-60 Mo9.2111.017.507.7612.245.50-146
New Boat-60 Mo8.3511.526.257.6712.244.94-68
Rewards Credit Card19.4824.9915.4913.0718.008.50-642
Credit Card Platinum18.0622.9913.4911.9717.248.50-610
Credit Card Classic16.5629.9510.9512.2017.909.90-436
Home Equity - LOC 80%7.278.694.996.938.753.99-34
Home Equity - 5 Yr 80%8.1810.616.756.878.505.49-131
Home Equity - 10 Yr 80%8.0410.616.756.968.505.49-107
Home Equity - 15 Yr 80%8.3510.616.757.3810.495.49-96
7 Yr ARM6.4117.4405.6256.5917.1295.25018
3 Yr ARM5.6655.6005.600 
5 Yr ARM6.7437.9295.5006.4547.2285.250-29
15 Yr Fixed6.1226.6205.2505.9486.4325.456-17
20 Yr Fixed6.6126.9126.0036.2436.6055.000-37
30 Yr Fixed6.6857.2116.2356.4476.7066.000-24
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 Mo8.6610.195.997.6212.245.64-104
New Motorcycle-60 Mo8.6610.195.997.5212.244.99-114
Used Motorhome-60 Mo9.2111.017.507.559.245.34-167
New Motorhome-60 Mo8.3511.526.257.519.244.84-84
Unsecured - 36 Mo11.0613.496.7411.5413.758.2448
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* Represents the difference in the average rate between banks and credit unions.