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 - $10k0.873.400.011.583.750.0571
6 Mo CD - $10k1.463.750.022.394.000.0593
9 Mo CD - $10k1.613.700.013.153.761.49154
1 Yr CD - $10k1.613.850.012.904.100.10128
18 Mo CD - $10k1.493.350.012.624.050.12113
2 Yr CD - $10k1.543.750.012.773.940.18124
30 Mo CD - $10k1.413.350.012.814.250.50140
3 Yr CD - $10k1.403.150.012.733.910.18132
4 Yr CD - $10k1.443.150.013.004.200.18156
5 Yr CD - $10k1.473.400.013.134.010.90167
3 Mo CD - $100k0.903.400.011.623.800.0572
6 Mo CD - $100k1.553.750.032.404.250.0586
9 Mo CD - $100k1.653.700.013.243.871.49158
1 Yr CD - $100k1.683.850.012.904.100.10122
18 Mo CD - $100k1.543.350.012.634.050.12109
2 Yr CD - $100k1.533.750.012.794.000.18126
30 Mo CD - $100k1.423.350.012.854.250.50142
3 Yr CD - $100k1.483.150.012.753.910.18128
4 Yr CD - $100k1.483.150.013.043.960.18156
5 Yr CD - $100k1.533.400.013.214.070.90169
High Rate Checking0.100.250.013.366.000.10326
Basic Checking0.090.500.010.194.500.0110
IRA - 1 Year - $10k1.353.750.013.094.750.10174
IRA - 1 Year - $100k1.833.240.033.504.801.85167
IRA - Liquid - $10k0.191.400.010.933.650.0574
IRA - Liquid - $100k0.250.700.010.682.530.1043
High Rate Money Market - $2.5k   0.300.350.25 
Money Market - $2.5k0.332.000.010.894.000.0555
Money Market - $10k0.392.000.010.973.000.0558
High Rate Money Market - $10k0.150.150.151.252.020.25110
High Rate Money Market - $25k0.130.200.051.332.320.25120
Money Market - $25k0.482.500.011.203.000.0572
Money Market - $50k0.572.500.011.435.000.0587
High Rate Money Market - $50k0.200.350.051.342.380.25114
High Rate Money Market - $100k0.210.350.071.682.480.75147
Money Market - $100k0.732.500.011.785.000.05105
Money Market - $250k0.853.250.011.935.000.05109
High Rate Money Market - $250k0.210.350.071.722.580.75151
Money Market - $500k0.752.300.012.095.000.25135
High Rate Money Market - $500k   2.242.731.75 
High Rate Money Market - $1 million   2.342.731.95 
Money Market - $1 million0.862.300.012.135.000.25127
Youth/Student Savings   0.500.500.50 
High Rate Savings0.030.040.022.503.750.15247
Regular Savings0.140.750.000.151.000.012
New Auto - 24 Mo6.108.994.944.736.493.89-137
New Auto - 36 Mo6.799.004.494.687.203.49-211
New Auto - 48 Mo6.849.004.494.837.203.49-201
New Auto - 60 Mo7.2312.444.494.957.203.49-228
New Auto - 72 Mo7.3112.644.495.187.953.49-214
New Auto - 84 Mo6.648.994.945.777.744.49-87
Used Auto - 24 Mo6.258.994.945.226.994.15-103
Used Auto - 36 Mo7.169.504.495.107.253.49-206
Used Auto - 48 Mo7.249.504.495.227.253.49-201
Used Auto - 60 Mo7.6012.444.495.357.253.49-225
Used Auto - 72 Mo7.5512.644.495.627.953.49-193
Used Auto - 84 Mo6.648.994.946.097.194.49-55
Used Boat-60 Mo7.247.247.247.8810.495.2464
New Boat-60 Mo8.3111.505.507.2210.494.74-109
Rewards Credit Card17.1519.4914.4912.9317.747.40-422
Credit Card Platinum15.7219.4911.4011.9017.246.90-382
Credit Card Classic15.1323.749.7413.4027.747.45-173
Home Equity - LOC 80%7.4610.105.506.758.004.00-72
Home Equity - 5 Yr 80%7.088.405.747.009.905.24-8
Home Equity - 10 Yr 80%7.378.905.647.4912.905.8412
Home Equity - 15 Yr 80%7.298.345.747.8113.006.1452
7 Yr ARM6.5156.8755.7506.0396.6055.390-48
3 Yr ARM6.9208.1255.500 
5 Yr ARM6.4947.2505.6506.0736.6305.050-42
15 Yr Fixed6.2547.2505.2506.0327.6254.625-22
20 Yr Fixed6.7486.8016.5126.2698.1565.835-48
30 Yr Fixed6.6347.6255.7506.5408.6255.500-9
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 Mo   7.7110.494.49 
New Motorcycle-60 Mo   7.3410.494.49 
Used Motorhome-60 Mo7.247.247.247.6810.745.2444
New Motorhome-60 Mo8.2211.505.507.2210.494.25-100
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo11.2622.006.7410.8318.007.00-43
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* Represents the difference in the average rate between banks and credit unions.