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 - $10k0.793.700.011.483.540.0568
6 Mo CD - $10k1.403.930.012.243.500.0784
9 Mo CD - $10k1.903.850.012.795.300.7589
1 Yr CD - $10k1.694.180.012.824.000.10113
18 Mo CD - $10k1.614.750.012.743.750.12113
2 Yr CD - $10k1.403.750.012.754.000.15135
30 Mo CD - $10k1.463.750.012.273.250.1881
3 Yr CD - $10k1.373.750.012.694.000.20132
4 Yr CD - $10k1.323.500.012.584.000.30126
5 Yr CD - $10k1.543.750.012.774.000.30123
3 Mo CD - $100k0.843.700.011.493.540.0765
6 Mo CD - $100k1.423.930.012.253.500.1083
9 Mo CD - $100k1.803.850.012.805.300.75100
1 Yr CD - $100k1.724.180.012.794.000.20107
18 Mo CD - $100k1.563.900.012.773.750.22121
2 Yr CD - $100k1.483.750.012.784.000.20130
30 Mo CD - $100k1.463.750.012.313.450.2385
3 Yr CD - $100k1.383.750.012.754.000.25136
4 Yr CD - $100k1.343.600.012.644.000.30130
5 Yr CD - $100k1.553.750.012.854.000.40130
High Rate Checking0.060.080.041.752.501.00169
Basic Checking0.110.500.010.282.000.0117
IRA - 1 Year - $10k1.484.300.012.653.930.25117
IRA - 1 Year - $100k1.012.000.012.603.500.85160
IRA - Liquid - $10k0.743.540.010.974.000.0523
IRA - Liquid - $100k1.022.520.030.491.250.10-53
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.312.970.010.683.150.0537
Money Market - $10k0.392.970.010.743.150.0535
High Rate Money Market - $10k3.693.693.690.672.000.25-302
High Rate Money Market - $25k1.873.690.051.513.150.60-36
Money Market - $25k0.512.970.010.943.150.1543
Money Market - $50k0.643.440.011.093.150.1545
High Rate Money Market - $50k1.873.690.051.723.200.60-15
High Rate Money Market - $100k1.883.690.071.753.250.70-13
Money Market - $100k0.813.500.011.203.150.1539
Money Market - $250k0.883.650.011.353.150.1547
High Rate Money Market - $250k1.883.690.071.793.350.80-9
Money Market - $500k0.602.290.011.061.800.2546
High Rate Money Market - $500k   0.800.800.80 
High Rate Money Market - $1 million   0.800.800.80 
Money Market - $1 million0.602.290.011.061.800.2546
High Rate Savings0.020.020.020.050.050.053
Regular Savings0.120.500.010.314.890.0119
New Auto - 24 Mo6.4710.174.945.005.893.25-147
New Auto - 36 Mo6.398.634.004.677.402.49-172
New Auto - 48 Mo6.478.634.004.797.402.49-168
New Auto - 60 Mo6.598.904.995.127.403.24-147
New Auto - 72 Mo6.819.904.995.447.753.49-137
New Auto - 84 Mo5.435.704.945.666.554.6923
Used Auto - 24 Mo6.7210.624.945.316.393.99-141
Used Auto - 36 Mo7.0010.005.244.967.502.99-204
Used Auto - 48 Mo7.0510.005.245.117.502.99-194
Used Auto - 60 Mo7.029.505.495.467.753.74-157
Used Auto - 72 Mo7.219.504.255.777.754.24-144
Used Auto - 84 Mo5.295.644.946.266.755.6497
Used Boat-60 Mo7.138.056.096.569.242.50-56
New Boat-60 Mo8.1512.255.497.1512.002.50-100
Rewards Credit Card16.4419.999.9914.2117.748.90-223
Credit Card Platinum14.8319.498.9913.4317.248.45-140
Credit Card Classic14.3720.249.9912.4616.908.90-191
Home Equity - LOC 80%7.288.855.506.408.002.50-88
Home Equity - 5 Yr 80%7.5510.505.386.609.244.49-95
Home Equity - 10 Yr 80%7.9611.005.606.7910.245.25-117
Home Equity - 15 Yr 80%7.7612.005.746.828.755.50-94
7 Yr ARM6.8728.5006.0005.3226.5002.875-155
3 Yr ARM6.7008.1255.6506.3758.1254.625-33
5 Yr ARM6.7868.3755.8756.0606.5004.875-73
15 Yr Fixed6.4638.2505.0005.9666.5005.000-50
20 Yr Fixed6.6036.5126.5125.9676.1255.400-64
30 Yr Fixed6.7108.2505.6006.3996.9505.875-31
7 Yr ARM-Jumbo5.0635.0005.000 
Used Motorcycle-60 Mo7.497.497.496.408.992.00-109
New Motorcycle-60 Mo7.497.497.496.138.992.00-136
Used Motorhome-60 Mo7.147.836.346.369.242.00-78
New Motorhome-60 Mo8.0512.255.497.1112.002.00-94
Unsecured - 36 Mo12.1218.008.2410.8014.007.75-132
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* Represents the difference in the average rate between banks and credit unions.