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 - $10k1.063.970.011.443.750.0339
6 Mo CD - $10k1.424.110.012.624.400.15119
9 Mo CD - $10k1.293.870.012.824.070.25153
1 Yr CD - $10k1.663.900.012.834.100.10116
18 Mo CD - $10k1.354.100.012.684.000.15133
2 Yr CD - $10k1.594.120.012.764.500.20116
30 Mo CD - $10k1.213.400.012.784.000.75157
3 Yr CD - $10k1.614.090.012.773.850.20115
4 Yr CD - $10k1.604.100.012.763.900.50117
5 Yr CD - $10k1.634.120.012.864.000.20123
3 Mo CD - $100k1.073.970.011.463.750.0338
6 Mo CD - $100k1.454.110.012.614.400.15115
9 Mo CD - $100k1.313.870.012.794.070.25147
1 Yr CD - $100k1.703.950.012.824.100.10112
18 Mo CD - $100k1.384.060.012.654.000.15127
2 Yr CD - $100k1.614.120.012.744.500.20113
30 Mo CD - $100k1.213.400.012.744.000.75153
3 Yr CD - $100k1.634.090.012.753.850.20112
4 Yr CD - $100k1.614.140.012.743.900.50114
5 Yr CD - $100k1.654.120.012.854.000.20120
High Rate Checking0.422.020.012.875.000.05245
Basic Checking0.090.500.010.223.000.0113
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.434.780.012.554.250.10112
IRA - 1 Year - $100k2.313.500.012.404.250.109
IRA - Liquid - $10k0.403.450.010.624.080.0122
IRA - Liquid - $100k1.083.500.010.724.080.01-36
High Rate Money Market - $2.5k0.300.300.301.251.251.2595
Money Market - $2.5k0.393.450.010.743.690.0135
Money Market - $10k0.503.450.010.903.150.0140
High Rate Money Market - $10k1.433.490.010.771.250.30-67
High Rate Money Market - $25k1.503.490.011.963.150.7545
Money Market - $25k0.713.600.011.043.150.0133
Money Market - $50k0.843.600.011.203.150.0136
High Rate Money Market - $50k1.573.490.012.283.201.2571
High Rate Money Market - $100k2.063.490.012.393.251.2934
Money Market - $100k1.083.920.011.373.400.0129
Money Market - $250k1.143.600.011.463.650.0132
High Rate Money Market - $250k1.953.490.012.953.502.23100
Money Market - $500k0.492.220.011.353.650.0186
High Rate Money Market - $500k1.402.550.254.004.004.00260
High Rate Money Market - $1 million1.402.550.254.004.004.00260
Money Market - $1 million0.562.220.011.383.650.0183
High Rate Savings0.040.050.022.073.000.75203
Regular Savings0.110.750.010.214.890.019
New Auto - 24 Mo6.3310.173.745.046.493.50-128
New Auto - 36 Mo6.729.503.995.136.993.50-159
New Auto - 48 Mo6.8110.383.995.196.753.75-162
New Auto - 60 Mo6.8310.503.995.256.753.89-158
New Auto - 72 Mo7.039.354.745.628.953.99-141
New Auto - 84 Mo6.448.594.945.687.254.24-76
Used Auto - 24 Mo6.9610.624.495.236.603.50-174
Used Auto - 36 Mo7.1010.253.995.328.303.50-178
Used Auto - 48 Mo7.1610.383.995.367.453.75-180
Used Auto - 60 Mo7.1610.503.995.426.993.89-174
Used Auto - 72 Mo7.1810.034.755.759.253.99-143
Used Auto - 84 Mo6.628.594.945.987.754.24-64
Used Boat-60 Mo8.759.946.497.059.244.49-170
New Boat-60 Mo8.5512.754.757.4913.684.25-106
Rewards Credit Card17.1320.496.9913.9418.008.90-320
Credit Card Platinum15.9918.496.9912.1418.007.90-385
Credit Card Classic16.9729.247.4913.5819.909.00-339
Home Equity - LOC 80%7.329.005.246.818.255.25-50
Home Equity - 5 Yr 80%7.3310.355.657.009.993.99-33
Home Equity - 10 Yr 80%7.7010.506.007.249.753.99-46
Home Equity - 15 Yr 80%7.7711.596.137.499.753.99-27
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 Mo9.4810.198.256.749.254.49-273
New Motorcycle-60 Mo8.4810.197.506.569.184.49-191
Used Motorhome-60 Mo8.759.946.497.119.244.49-164
New Motorhome-60 Mo8.4912.754.757.4813.684.25-101
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo12.0818.996.4910.8417.906.99-123
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* Represents the difference in the average rate between banks and credit unions.