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 - $10k1.033.970.011.453.840.0342
6 Mo CD - $10k1.474.210.012.674.400.15120
9 Mo CD - $10k1.343.870.012.844.070.25150
1 Yr CD - $10k1.724.160.012.924.100.10121
18 Mo CD - $10k1.394.210.012.764.000.15137
2 Yr CD - $10k1.604.160.012.804.500.20120
30 Mo CD - $10k1.213.400.012.884.100.75166
3 Yr CD - $10k1.624.160.012.833.850.20121
4 Yr CD - $10k1.614.160.012.843.900.75123
5 Yr CD - $10k1.664.160.012.954.000.75129
3 Mo CD - $100k1.243.970.011.463.840.0322
6 Mo CD - $100k1.514.210.012.664.400.15116
9 Mo CD - $100k1.363.870.012.804.070.25144
1 Yr CD - $100k1.764.160.012.914.100.10115
18 Mo CD - $100k1.414.060.012.734.000.15131
2 Yr CD - $100k1.624.160.012.784.500.20117
30 Mo CD - $100k1.213.400.012.834.100.75162
3 Yr CD - $100k1.664.160.012.813.860.20115
4 Yr CD - $100k1.614.160.012.813.900.75120
5 Yr CD - $100k1.674.160.012.934.000.75125
High Rate Checking0.422.020.012.915.000.05249
Basic Checking0.090.500.010.223.000.0113
HSA - $1k   0.380.750.01 
HSA - $10k   0.761.500.01 
HSA - $25k   1.012.000.01 
IRA - 1 Year - $10k1.444.780.012.674.250.10124
IRA - 1 Year - $100k2.063.750.012.484.250.1043
IRA - Liquid - $10k0.393.450.010.614.080.0122
IRA - Liquid - $100k1.083.500.010.724.080.01-36
High Rate Money Market - $2.5k0.300.300.301.251.251.2595
Money Market - $2.5k0.383.450.010.743.690.0136
Money Market - $10k0.523.450.010.903.150.0139
High Rate Money Market - $10k1.463.690.011.373.190.30-9
High Rate Money Market - $25k1.533.690.012.263.480.7574
Money Market - $25k0.733.750.011.053.150.0132
Money Market - $50k0.853.750.011.213.150.0135
High Rate Money Market - $50k1.603.690.012.483.481.2588
High Rate Money Market - $100k2.083.690.012.573.481.2949
Money Market - $100k1.053.750.011.383.400.0133
Money Market - $250k1.213.750.011.473.500.0127
High Rate Money Market - $250k1.973.690.013.043.502.23107
Money Market - $500k0.683.400.011.363.500.0169
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 million0.743.400.011.403.500.0166
High Rate Savings0.030.050.022.073.000.75204
Regular Savings0.120.800.010.214.890.019
New Auto - 24 Mo6.3310.173.745.046.552.99-129
New Auto - 36 Mo6.719.503.995.096.992.99-161
New Auto - 48 Mo6.7910.384.495.156.753.49-163
New Auto - 60 Mo6.8210.504.755.226.753.49-160
New Auto - 72 Mo6.999.354.755.588.953.49-142
New Auto - 84 Mo6.518.594.945.677.254.24-84
Used Auto - 24 Mo6.9610.624.495.246.752.99-173
Used Auto - 36 Mo7.1110.254.495.288.302.99-183
Used Auto - 48 Mo7.1810.384.745.327.453.49-185
Used Auto - 60 Mo7.1710.504.745.386.993.49-179
Used Auto - 72 Mo7.2210.034.755.739.253.49-149
Used Auto - 84 Mo6.628.594.945.987.754.24-64
Used Boat-60 Mo8.909.947.247.089.244.49-183
New Boat-60 Mo8.4712.754.757.3313.004.25-113
Rewards Credit Card17.2123.496.9913.9018.004.90-331
Credit Card Platinum15.9818.496.9912.0918.004.90-389
Credit Card Classic16.9729.247.4913.8219.904.90-315
Home Equity - LOC 80%7.259.006.506.788.254.99-47
Home Equity - 5 Yr 80%7.2310.355.656.949.993.99-29
Home Equity - 10 Yr 80%7.6310.506.007.219.753.99-41
Home Equity - 15 Yr 80%7.6310.756.137.489.753.99-15
7 Yr ARM6.7537.7505.6256.7317.5005.875-2
3 Yr ARM6.7107.6255.7506.5147.2835.375-20
5 Yr ARM6.6867.6255.5006.6187.0605.750-7
15 Yr Fixed6.1978.5403.1256.0206.7904.625-18
20 Yr Fixed6.7836.9586.3376.4697.0105.750-31
30 Yr Fixed6.6288.3755.7506.5077.5005.490-12
15 Yr Fixed-Jumbo6.3156.2026.202 
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.844 
Used Motorcycle-60 Mo9.4810.198.256.789.254.49-270
New Motorcycle-60 Mo8.6410.197.506.569.184.49-209
Used Motorhome-60 Mo8.909.947.247.209.994.49-171
New Motorhome-60 Mo8.4112.754.757.3713.004.25-103
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo12.2718.996.7410.8317.906.99-144
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* Represents the difference in the average rate between banks and credit unions.