RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 financial institution locations in 19,713 markets across the United States as of 5/26/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.063.920.012.205.330.09113
6 Mo CD - $10k1.544.000.012.609.000.05106
9 Mo CD - $10k1.393.920.013.035.330.75164
1 Yr CD - $10k1.493.940.012.814.130.07133
18 Mo CD - $10k1.273.750.012.785.330.13151
2 Yr CD - $10k1.294.050.012.754.040.10146
30 Mo CD - $10k1.103.750.012.754.500.18165
3 Yr CD - $10k1.233.750.012.824.040.30159
4 Yr CD - $10k1.173.650.012.854.200.40168
5 Yr CD - $10k1.263.750.013.014.410.50174
3 Mo CD - $100k1.153.920.012.255.330.09110
6 Mo CD - $100k1.674.000.012.669.000.0599
9 Mo CD - $100k1.563.920.013.095.330.85153
1 Yr CD - $100k1.643.940.012.884.130.07124
18 Mo CD - $100k1.433.900.012.875.330.13145
2 Yr CD - $100k1.384.050.012.814.040.10144
30 Mo CD - $100k1.223.750.012.824.000.18160
3 Yr CD - $100k1.363.750.012.874.040.30151
4 Yr CD - $100k1.263.700.012.914.220.40165
5 Yr CD - $100k1.273.750.013.074.460.50180
High Rate Checking0.883.250.012.297.000.03141
Basic Checking0.092.400.000.244.070.0115
HSA - $1k   0.130.250.01 
HSA - $10k   0.130.250.01 
HSA - $25k   0.130.250.01 
IRA - 1 Year - $10k1.303.920.012.874.250.07157
IRA - 1 Year - $100k1.824.000.013.004.920.05118
IRA - Liquid - $10k0.100.850.010.534.080.0143
IRA - Liquid - $100k0.321.850.010.634.080.0131
High Rate Money Market - $2.5k0.310.750.050.521.250.0520
Money Market - $2.5k0.403.060.010.604.930.0120
Money Market - $10k0.483.800.010.683.510.0120
High Rate Money Market - $10k0.472.000.031.023.930.2555
High Rate Money Market - $25k0.623.000.031.203.930.2558
Money Market - $25k0.573.800.010.793.510.0122
Money Market - $50k0.643.800.010.913.510.0127
High Rate Money Market - $50k0.703.000.051.523.930.2582
High Rate Money Market - $100k0.753.100.051.863.930.50111
Money Market - $100k0.793.920.011.103.510.0131
Money Market - $250k0.853.920.011.213.510.0136
High Rate Money Market - $250k0.843.100.052.203.980.50136
Money Market - $500k1.103.800.101.213.510.0111
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 million1.113.800.101.263.820.0114
High Rate Savings1.503.900.022.956.180.10145
Regular Savings0.283.900.010.246.000.01-4
New Auto - 24 Mo7.268.595.444.9613.252.99-230
New Auto - 36 Mo7.5310.204.494.987.992.99-255
New Auto - 48 Mo7.5710.204.745.127.992.99-246
New Auto - 60 Mo7.6510.205.445.217.993.25-244
New Auto - 72 Mo7.8610.205.745.477.993.25-239
New Auto - 84 Mo7.648.596.385.807.993.49-184
Used Auto - 24 Mo7.358.785.645.2010.592.99-215
Used Auto - 36 Mo7.8511.954.995.237.992.99-262
Used Auto - 48 Mo7.8311.955.245.387.992.99-245
Used Auto - 60 Mo7.829.565.645.477.993.49-235
Used Auto - 72 Mo8.179.565.995.707.993.34-247
Used Auto - 84 Mo7.688.786.386.0912.193.74-159
Used Boat-60 Mo9.5211.017.507.9513.204.49-157
New Boat-60 Mo9.3711.525.977.9913.244.49-138
Rewards Credit Card17.1819.4911.8013.6222.157.90-356
Credit Card Platinum16.3619.499.5012.0717.993.10-429
Credit Card Classic17.5128.249.7413.5828.246.95-393
Home Equity - LOC 80%7.649.744.997.019.503.99-63
Home Equity - 5 Yr 80%8.7410.617.697.229.184.99-151
Home Equity - 10 Yr 80%8.8610.617.407.4712.635.75-139
Home Equity - 15 Yr 80%9.0410.617.407.5812.633.33-146
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo8.0910.195.997.7011.854.25-39
New Motorcycle-60 Mo8.0910.195.997.4111.254.25-68
Used Motorhome-60 Mo9.6011.017.507.8013.204.49-180
New Motorhome-60 Mo9.2511.525.977.8713.244.49-138
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.1115.716.7410.7318.006.34-39
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* Represents the difference in the average rate between banks and credit unions.