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 - $10k1.653.960.013.373.900.05172
6 Mo CD - $10k2.724.150.013.614.150.7590
9 Mo CD - $10k2.374.250.013.625.001.00125
1 Yr CD - $10k3.004.200.013.864.502.3585
18 Mo CD - $10k2.654.350.013.844.501.75119
2 Yr CD - $10k2.684.310.013.844.252.25116
30 Mo CD - $10k1.664.500.013.784.052.25212
3 Yr CD - $10k2.604.260.013.804.252.15120
4 Yr CD - $10k2.484.250.013.864.252.15138
5 Yr CD - $10k2.604.260.013.894.302.15129
3 Mo CD - $100k1.723.960.013.423.900.05170
6 Mo CD - $100k2.744.150.013.624.150.7588
9 Mo CD - $100k2.424.250.013.625.001.00119
1 Yr CD - $100k3.094.200.013.844.502.3575
18 Mo CD - $100k2.664.350.013.834.501.75117
2 Yr CD - $100k2.654.310.013.854.252.25120
30 Mo CD - $100k1.765.000.013.754.052.25199
3 Yr CD - $100k2.574.260.013.814.252.15124
4 Yr CD - $100k2.454.250.013.854.252.15139
5 Yr CD - $100k2.564.260.013.874.302.15131
High Rate Checking2.755.000.011.032.000.10-172
Basic Checking0.120.500.010.224.000.0210
IRA - 1 Year - $10k2.624.200.013.724.000.55110
IRA - 1 Year - $100k1.964.100.013.684.000.55172
IRA - Liquid - $10k0.873.950.010.985.300.0511
IRA - Liquid - $100k1.303.030.011.253.850.05-5
High Rate Money Market - $2.5k0.651.250.05    
Money Market - $2.5k0.873.690.010.903.000.052
Money Market - $10k0.893.690.011.083.000.0520
High Rate Money Market - $10k0.691.750.050.941.240.5025
High Rate Money Market - $25k0.761.750.101.441.980.5568
Money Market - $25k1.213.690.011.483.100.1027
Money Market - $50k1.303.690.011.723.100.4042
High Rate Money Market - $50k0.801.750.151.562.090.6076
High Rate Money Market - $100k1.091.960.202.602.742.50152
Money Market - $100k1.713.690.012.183.100.3546
Money Market - $250k1.943.690.012.723.750.3578
High Rate Money Market - $250k1.292.760.203.093.482.50181
Money Market - $500k1.733.560.152.503.450.3577
High Rate Money Market - $500k1.382.000.75    
High Rate Money Market - $1 million1.502.001.00    
Money Market - $1 million1.773.560.152.703.900.3594
High Rate Savings1.724.200.023.627.000.10190
Regular Savings1.054.000.010.110.750.03-93
New Auto - 24 Mo6.318.594.744.886.244.09-144
New Auto - 36 Mo6.219.002.655.016.244.09-121
New Auto - 48 Mo6.349.002.655.036.244.09-132
New Auto - 60 Mo6.399.002.654.965.954.09-143
New Auto - 72 Mo6.609.252.655.246.354.59-136
New Auto - 84 Mo6.958.595.495.796.405.09-116
Used Auto - 24 Mo6.368.784.744.996.244.39-138
Used Auto - 36 Mo6.339.253.805.066.244.39-127
Used Auto - 48 Mo6.549.255.245.116.744.39-143
Used Auto - 60 Mo6.509.253.805.015.954.29-149
Used Auto - 72 Mo6.429.503.805.286.354.74-114
Used Auto - 84 Mo6.998.785.495.886.405.29-111
Used Boat-60 Mo9.2311.017.507.6512.245.50-158
New Boat-60 Mo8.3511.526.257.6212.244.94-73
Rewards Credit Card18.4424.9911.2512.9418.008.50-550
Credit Card Platinum17.4822.9913.2511.9717.248.50-551
Credit Card Classic16.5629.9510.9512.0717.909.90-449
Home Equity - LOC 80%7.258.694.996.888.753.99-37
Home Equity - 5 Yr 80%8.1810.616.756.798.505.49-139
Home Equity - 10 Yr 80%8.0410.616.756.908.505.49-114
Home Equity - 15 Yr 80%8.1810.616.757.2810.495.49-89
7 Yr ARM6.6287.4406.0006.5067.1295.250-12
3 Yr ARM5.6745.6005.600 
5 Yr ARM7.3028.1536.1546.3697.2285.250-93
15 Yr Fixed6.3127.0005.2506.0456.4325.500-27
20 Yr Fixed6.7166.9846.1296.3126.7315.000-40
30 Yr Fixed6.8167.2116.3756.5486.8316.000-27
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-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo8.8210.935.747.5312.245.64-130
New Motorcycle-60 Mo8.8210.935.747.4712.244.99-136
Used Motorhome-60 Mo9.2311.017.507.448.495.34-179
New Motorhome-60 Mo8.3511.526.257.468.994.84-89
Unsecured - 36 Mo10.9813.496.7411.4913.758.2451
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* Represents the difference in the average rate between banks and credit unions.