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 - $10k1.043.920.012.195.330.09116
6 Mo CD - $10k1.494.000.012.584.250.05109
9 Mo CD - $10k1.334.090.013.099.000.75176
1 Yr CD - $10k1.534.200.012.834.130.07130
18 Mo CD - $10k1.224.200.012.835.330.13161
2 Yr CD - $10k1.274.200.012.774.250.10150
30 Mo CD - $10k1.074.200.012.764.500.18168
3 Yr CD - $10k1.224.200.012.844.250.30162
4 Yr CD - $10k1.173.920.012.884.250.40170
5 Yr CD - $10k1.223.920.013.034.500.50181
3 Mo CD - $100k1.123.920.012.245.330.09112
6 Mo CD - $100k1.634.000.012.664.250.05103
9 Mo CD - $100k1.494.090.013.149.000.85165
1 Yr CD - $100k1.774.200.012.914.130.07114
18 Mo CD - $100k1.344.200.012.925.330.13158
2 Yr CD - $100k1.354.200.012.824.250.10147
30 Mo CD - $100k1.214.200.012.834.000.18162
3 Yr CD - $100k1.334.200.012.894.250.30156
4 Yr CD - $100k1.213.920.012.934.250.40172
5 Yr CD - $100k1.273.920.013.094.500.50182
High Rate Checking0.883.250.012.297.000.03141
Basic Checking0.092.400.010.164.070.017
HSA - $1k   0.120.250.01 
HSA - $10k   0.120.250.01 
HSA - $25k   0.120.250.01 
IRA - 1 Year - $10k1.423.990.012.904.250.07148
IRA - 1 Year - $100k1.424.250.013.024.920.05161
IRA - Liquid - $10k0.100.850.010.534.080.0142
IRA - Liquid - $100k0.321.850.010.624.080.0130
High Rate Money Market - $2.5k0.310.750.050.521.250.0520
Money Market - $2.5k0.433.300.010.614.930.0118
Money Market - $10k0.473.800.010.683.500.0121
High Rate Money Market - $10k0.533.500.031.023.930.2549
High Rate Money Market - $25k0.633.640.031.183.930.2556
Money Market - $25k0.583.800.010.793.500.0121
Money Market - $50k0.683.800.010.913.700.0123
High Rate Money Market - $50k0.683.640.051.523.930.2585
High Rate Money Market - $100k0.853.640.051.853.930.50100
Money Market - $100k0.813.920.011.103.700.0129
Money Market - $250k0.883.920.011.213.850.0134
High Rate Money Market - $250k1.023.640.052.193.980.50117
Money Market - $500k1.423.800.101.193.850.01-23
High Rate Money Market - $500k1.992.650.752.884.001.7589
High Rate Money Market - $1 million2.092.801.002.984.001.9589
Money Market - $1 million1.433.800.101.243.850.01-19
High Rate Savings1.343.900.022.956.180.10161
Regular Savings0.293.900.010.246.000.01-5
New Auto - 24 Mo7.238.595.144.9313.252.99-230
New Auto - 36 Mo7.4810.204.494.957.992.99-253
New Auto - 48 Mo7.5210.204.745.107.992.99-242
New Auto - 60 Mo7.5810.205.055.187.993.25-239
New Auto - 72 Mo7.7210.205.135.447.993.25-228
New Auto - 84 Mo7.648.596.385.777.993.49-188
Used Auto - 24 Mo7.328.785.345.1510.592.99-217
Used Auto - 36 Mo7.8211.954.995.197.992.99-263
Used Auto - 48 Mo7.8211.955.245.367.992.99-246
Used Auto - 60 Mo7.819.565.345.447.993.49-237
Used Auto - 72 Mo7.999.565.625.687.993.34-232
Used Auto - 84 Mo7.688.786.386.0612.193.74-162
Used Boat-60 Mo9.5211.017.507.9313.204.49-158
New Boat-60 Mo9.3311.525.977.9513.244.49-138
Rewards Credit Card17.1720.4911.0013.6218.497.90-355
Credit Card Platinum16.2519.496.7012.1717.993.10-407
Credit Card Classic17.3328.249.7413.4328.246.95-391
Home Equity - LOC 80%7.6310.034.997.019.503.99-62
Home Equity - 5 Yr 80%8.7910.618.007.219.184.99-157
Home Equity - 10 Yr 80%8.9110.617.407.4812.635.49-143
Home Equity - 15 Yr 80%9.0810.617.407.5712.633.33-151
7 Yr ARM6.4326.9805.6256.2837.5512.520-15
3 Yr ARM6.0047.6255.3756.2808.0004.37528
5 Yr ARM6.0026.4155.5006.2527.3294.95025
15 Yr Fixed6.1158.5404.8756.0726.8314.750-4
20 Yr Fixed6.4866.8996.0036.4727.7554.800-1
30 Yr Fixed6.6277.0405.9906.5627.2905.500-7
15 Yr Fixed-Jumbo6.3156.2026.2026.3286.2156.2151
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.3207.5767.5037.503119
5 Yr ARM-Jumbo6.3936.3256.3256.7176.6476.64732
30 Yr Fixed-Jumbo6.9156.8446.8446.7326.6626.662-18
Used Motorcycle-60 Mo8.0910.195.997.6911.854.25-40
New Motorcycle-60 Mo8.7410.195.997.4211.254.25-132
Used Motorhome-60 Mo9.6011.017.507.7913.204.49-182
New Motorhome-60 Mo9.1411.525.977.8313.244.49-130
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo11.0215.716.7410.7618.006.34-25
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* Represents the difference in the average rate between banks and credit unions.