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 - $10k1.064.400.012.205.330.09114
6 Mo CD - $10k1.554.400.012.604.250.05106
9 Mo CD - $10k1.464.090.013.129.000.75165
1 Yr CD - $10k1.614.400.012.864.200.07125
18 Mo CD - $10k1.264.000.012.855.330.13160
2 Yr CD - $10k1.284.050.012.784.250.10150
30 Mo CD - $10k1.023.900.012.764.500.18174
3 Yr CD - $10k1.254.200.012.854.250.30160
4 Yr CD - $10k1.153.920.012.894.250.40174
5 Yr CD - $10k1.263.920.013.044.500.50178
3 Mo CD - $100k1.144.400.012.255.330.09111
6 Mo CD - $100k1.634.400.012.674.250.05104
9 Mo CD - $100k1.604.090.013.179.000.85157
1 Yr CD - $100k1.754.400.012.944.200.07119
18 Mo CD - $100k1.364.250.012.945.330.13158
2 Yr CD - $100k1.364.050.012.854.250.10149
30 Mo CD - $100k1.153.900.012.834.000.18168
3 Yr CD - $100k1.354.200.012.904.250.30155
4 Yr CD - $100k1.194.000.012.944.250.40174
5 Yr CD - $100k1.274.000.013.114.500.50184
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   0.341.000.01 
HSA - $25k   0.341.000.01 
IRA - 1 Year - $10k1.504.400.012.934.250.07143
IRA - 1 Year - $100k1.624.500.013.074.920.05145
IRA - Liquid - $10k0.100.850.010.524.080.0142
IRA - Liquid - $100k0.321.850.010.624.080.0130
High Rate Money Market - $2.5k0.350.750.050.521.250.0517
Money Market - $2.5k0.423.250.010.614.930.0119
Money Market - $10k0.453.800.010.673.850.0122
High Rate Money Market - $10k0.613.440.031.013.930.2540
High Rate Money Market - $25k0.693.440.031.173.930.2548
Money Market - $25k0.553.800.010.773.850.0123
Money Market - $50k0.693.800.010.883.850.0119
High Rate Money Market - $50k0.763.580.051.523.930.2576
High Rate Money Market - $100k1.023.580.051.913.930.5089
Money Market - $100k0.783.920.011.073.850.0129
Money Market - $250k0.863.920.011.193.850.0134
High Rate Money Market - $250k1.103.580.052.273.980.50117
Money Market - $500k1.253.800.101.193.850.01-6
High Rate Money Market - $500k2.032.760.752.884.001.7585
High Rate Money Market - $1 million2.092.761.002.984.001.9589
Money Market - $1 million1.263.800.101.243.850.01-2
High Rate Savings1.343.900.023.046.180.10170
Regular Savings0.283.900.010.246.000.01-4
New Auto - 24 Mo7.248.595.194.9513.253.34-228
New Auto - 36 Mo7.5710.204.494.977.993.25-260
New Auto - 48 Mo7.6010.204.745.107.993.25-250
New Auto - 60 Mo7.6510.205.055.207.993.25-245
New Auto - 72 Mo7.8210.205.135.467.993.25-236
New Auto - 84 Mo7.648.596.385.787.993.74-186
Used Auto - 24 Mo7.368.785.395.1610.593.49-220
Used Auto - 36 Mo7.8011.954.995.207.993.49-261
Used Auto - 48 Mo7.8711.955.245.357.993.49-252
Used Auto - 60 Mo7.819.565.395.447.993.49-237
Used Auto - 72 Mo8.179.565.625.697.993.74-249
Used Auto - 84 Mo7.728.786.386.0412.193.74-167
Used Boat-60 Mo9.5311.017.507.8212.603.65-171
New Boat-60 Mo9.4111.525.977.9313.244.49-148
Rewards Credit Card17.2120.4911.0013.6018.497.90-361
Credit Card Platinum16.4419.496.7012.1717.993.10-427
Credit Card Classic17.2928.249.7413.5028.246.95-379
Home Equity - LOC 80%7.6510.034.997.009.503.99-65
Home Equity - 5 Yr 80%8.7710.617.997.209.434.99-157
Home Equity - 10 Yr 80%8.7810.617.407.4012.635.49-138
Home Equity - 15 Yr 80%8.9310.617.407.5412.633.33-139
7 Yr ARM6.6067.1116.0006.3657.5512.520-24
3 Yr ARM6.0137.6255.3756.3328.0004.50032
5 Yr ARM6.4308.1535.5006.3177.7504.950-11
15 Yr Fixed6.2298.5404.8756.2147.6254.585-1
20 Yr Fixed6.5477.1226.1296.5227.7554.800-3
30 Yr Fixed6.7587.2505.9906.6898.3755.080-7
15 Yr Fixed-Jumbo6.4786.3506.3506.3426.2156.215-14
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.4097.5867.5037.503110
5 Yr ARM-Jumbo6.4866.4096.4096.7256.6476.64724
30 Yr Fixed-Jumbo7.0636.9836.9836.7416.6626.662-32
Used Motorcycle-60 Mo8.3410.935.747.6411.853.05-70
New Motorcycle-60 Mo8.9010.935.747.4611.844.25-144
Used Motorhome-60 Mo9.6211.017.507.6810.743.65-193
New Motorhome-60 Mo9.2711.525.977.8013.244.49-148
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo11.0615.716.7410.7419.496.34-32
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* Represents the difference in the average rate between banks and credit unions.