RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 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 - $10k0.903.400.011.574.100.0567
6 Mo CD - $10k1.383.750.012.414.050.05102
9 Mo CD - $10k1.403.800.013.203.761.49180
1 Yr CD - $10k1.664.500.012.844.000.10118
18 Mo CD - $10k1.523.350.012.563.950.12104
2 Yr CD - $10k1.513.400.012.743.850.18123
30 Mo CD - $10k1.433.350.012.673.750.50124
3 Yr CD - $10k1.423.150.012.723.750.18130
4 Yr CD - $10k1.453.150.013.004.200.18156
5 Yr CD - $10k1.483.400.013.123.960.90165
3 Mo CD - $100k0.913.400.011.614.100.0570
6 Mo CD - $100k1.443.750.012.424.250.0598
9 Mo CD - $100k1.453.800.013.283.871.49183
1 Yr CD - $100k1.704.500.012.854.000.10115
18 Mo CD - $100k1.553.500.012.613.950.12106
2 Yr CD - $100k1.573.400.012.784.000.18121
30 Mo CD - $100k1.423.350.012.713.800.50130
3 Yr CD - $100k1.433.150.012.763.800.18133
4 Yr CD - $100k1.473.150.013.053.850.18158
5 Yr CD - $100k1.503.400.013.214.070.90170
High Rate Checking0.100.250.013.366.000.10326
Basic Checking0.090.500.010.194.500.0110
IRA - 1 Year - $10k1.383.750.013.024.750.10164
IRA - 1 Year - $100k2.423.241.503.394.801.8596
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 - $2.5k0.342.000.010.834.000.0549
Money Market - $10k0.412.000.010.932.300.0552
High Rate Money Market - $10k1.483.200.151.252.020.25-23
High Rate Money Market - $25k1.823.440.201.332.320.25-49
Money Market - $25k0.502.500.011.143.000.0564
Money Market - $50k0.592.500.011.355.000.0576
High Rate Money Market - $50k0.200.350.051.342.380.25114
High Rate Money Market - $100k1.903.440.351.682.480.75-21
Money Market - $100k0.752.500.011.745.000.0599
Money Market - $250k0.883.250.011.895.000.05101
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 Savings0.050.050.042.503.750.15246
Regular Savings0.140.750.010.151.000.012
New Auto - 24 Mo6.108.994.944.796.493.89-131
New Auto - 36 Mo6.839.004.494.737.203.49-210
New Auto - 48 Mo6.889.004.494.887.203.49-200
New Auto - 60 Mo7.2712.444.495.007.203.49-227
New Auto - 72 Mo7.3212.644.495.227.953.49-210
New Auto - 84 Mo6.648.994.945.827.744.49-82
Used Auto - 24 Mo6.258.994.945.176.994.25-108
Used Auto - 36 Mo7.209.504.495.138.243.49-207
Used Auto - 48 Mo7.289.504.495.278.243.49-201
Used Auto - 60 Mo7.6512.444.495.418.243.49-224
Used Auto - 72 Mo7.6112.644.495.688.243.49-193
Used Auto - 84 Mo6.648.994.946.117.194.49-53
Used Boat-60 Mo6.496.496.497.8210.494.99133
New Boat-60 Mo8.3711.505.507.2410.494.49-112
Rewards Credit Card17.1919.4914.4912.8417.747.40-434
Credit Card Platinum15.9624.9910.6511.8017.246.90-416
Credit Card Classic15.2723.749.7413.4327.747.45-184
Home Equity - LOC 80%7.5910.105.506.788.004.00-80
Home Equity - 5 Yr 80%7.158.945.747.019.905.24-14
Home Equity - 10 Yr 80%7.388.905.647.4312.905.636
Home Equity - 15 Yr 80%7.298.295.647.7513.005.5046
7 Yr ARM6.5967.0895.7506.0726.6815.375-52
3 Yr ARM6.9028.1255.625 
5 Yr ARM6.5577.2505.6256.0746.6305.000-48
15 Yr Fixed6.2447.2505.2505.9997.6255.026-25
20 Yr Fixed6.6866.6366.5506.2518.1565.622-43
30 Yr Fixed6.6347.6255.7506.4948.6255.625-14
15 Yr Fixed-Jumbo6.3306.2156.215 
20 Yr Fixed-Jumbo6.6116.5196.519 
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.932 
Used Motorcycle-60 Mo   7.7310.494.49 
New Motorcycle-60 Mo   7.4210.494.49 
Used Motorhome-60 Mo6.496.496.497.7610.745.50127
New Motorhome-60 Mo8.3111.505.507.2610.494.25-105
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo10.9919.996.7410.8618.007.00-13
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* Represents the difference in the average rate between banks and credit unions.