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 - $10k0.873.400.011.563.750.0569
6 Mo CD - $10k1.493.680.022.374.000.0589
9 Mo CD - $10k1.643.700.013.174.001.49152
1 Yr CD - $10k1.664.500.012.904.100.10124
18 Mo CD - $10k1.503.350.012.614.070.12110
2 Yr CD - $10k1.493.750.012.764.070.18127
30 Mo CD - $10k1.423.350.012.744.000.50131
3 Yr CD - $10k1.413.150.012.764.100.18135
4 Yr CD - $10k1.454.000.013.054.200.18161
5 Yr CD - $10k1.483.400.013.214.010.90172
3 Mo CD - $100k0.893.400.011.603.800.0571
6 Mo CD - $100k1.573.680.032.364.250.0579
9 Mo CD - $100k1.693.700.013.214.051.49152
1 Yr CD - $100k1.713.920.012.904.100.10119
18 Mo CD - $100k1.553.350.012.644.070.12109
2 Yr CD - $100k1.573.750.012.784.180.18121
30 Mo CD - $100k1.443.350.012.784.050.50134
3 Yr CD - $100k1.443.150.012.804.100.18136
4 Yr CD - $100k1.504.000.013.104.050.18160
5 Yr CD - $100k1.543.400.013.294.070.90175
High Rate Checking0.100.250.013.366.000.10326
Basic Checking0.090.500.010.184.500.019
IRA - 1 Year - $10k1.553.750.023.114.750.10156
IRA - 1 Year - $100k1.433.240.033.574.801.85214
IRA - Liquid - $10k0.191.400.010.893.650.0570
IRA - Liquid - $100k0.250.700.010.682.530.1043
High Rate Money Market - $2.5k   0.300.350.25 
Money Market - $2.5k0.352.000.010.874.000.0552
Money Market - $10k0.412.500.010.973.000.0556
High Rate Money Market - $10k0.150.150.151.252.020.25110
High Rate Money Market - $25k0.130.200.051.332.320.25120
Money Market - $25k0.502.500.011.173.000.0567
Money Market - $50k0.582.500.011.363.000.0578
High Rate Money Market - $50k0.200.350.051.342.380.25114
High Rate Money Market - $100k0.210.350.071.682.480.75147
Money Market - $100k0.743.000.011.743.000.05100
Money Market - $250k0.863.250.011.903.250.05104
High Rate Money Market - $250k0.210.350.071.722.580.75151
Money Market - $500k0.682.300.011.993.300.25132
High Rate Money Market - $500k   2.242.731.75 
High Rate Money Market - $1 million   2.342.731.95 
Money Market - $1 million0.782.300.012.033.300.25126
Youth/Student Savings   0.500.500.50 
High Rate Savings0.050.050.042.503.750.15246
Regular Savings0.140.750.000.151.000.011
New Auto - 24 Mo6.108.994.944.786.493.89-132
New Auto - 36 Mo6.819.004.494.737.203.49-208
New Auto - 48 Mo6.909.004.494.877.203.49-202
New Auto - 60 Mo7.2912.444.494.997.203.49-230
New Auto - 72 Mo7.3212.644.495.227.953.49-209
New Auto - 84 Mo6.648.994.945.817.744.49-83
Used Auto - 24 Mo6.258.994.945.236.994.15-102
Used Auto - 36 Mo7.169.504.495.147.253.49-202
Used Auto - 48 Mo7.249.504.495.257.253.49-199
Used Auto - 60 Mo7.5912.444.495.377.253.49-222
Used Auto - 72 Mo7.5912.644.495.637.953.49-196
Used Auto - 84 Mo6.648.994.946.097.194.49-55
Used Boat-60 Mo7.247.247.247.8610.495.2462
New Boat-60 Mo8.4211.505.757.2310.494.74-119
Rewards Credit Card17.1419.4914.4912.9317.747.40-420
Credit Card Platinum15.7019.4910.6511.8917.246.90-381
Credit Card Classic15.1723.749.7413.4027.747.45-177
Home Equity - LOC 80%7.4510.105.506.808.004.00-65
Home Equity - 5 Yr 80%7.078.405.747.019.905.24-5
Home Equity - 10 Yr 80%7.308.905.647.5112.905.8421
Home Equity - 15 Yr 80%7.238.205.747.8313.006.1461
7 Yr ARM6.5216.8755.7506.1936.6285.390-33
3 Yr ARM7.0028.1255.750 
5 Yr ARM6.5207.2505.6506.1946.7415.050-33
15 Yr Fixed6.2867.2505.2506.1367.6255.000-15
20 Yr Fixed6.8856.9266.6366.3248.1565.835-56
30 Yr Fixed6.6887.6255.7506.6148.6255.625-7
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo   7.7010.494.49 
New Motorcycle-60 Mo   7.3210.494.49 
Used Motorhome-60 Mo7.247.247.247.6710.745.2443
New Motorhome-60 Mo8.3611.505.757.2410.494.25-112
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo11.2622.006.7410.8418.007.00-42
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* Represents the difference in the average rate between banks and credit unions.