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 - $10k0.853.700.011.523.540.0567
6 Mo CD - $10k1.543.930.012.243.520.0770
9 Mo CD - $10k2.013.850.012.725.300.7571
1 Yr CD - $10k1.694.000.012.864.000.10117
18 Mo CD - $10k1.553.900.012.813.750.12126
2 Yr CD - $10k1.463.750.012.814.000.15135
30 Mo CD - $10k1.483.750.012.393.500.1891
3 Yr CD - $10k1.393.750.012.764.000.20138
4 Yr CD - $10k1.343.500.012.674.000.30133
5 Yr CD - $10k1.533.750.012.814.000.30129
3 Mo CD - $100k0.843.700.011.533.540.0769
6 Mo CD - $100k1.493.930.012.263.520.1077
9 Mo CD - $100k1.973.850.012.725.300.7575
1 Yr CD - $100k1.754.000.012.854.000.20110
18 Mo CD - $100k1.685.050.012.833.750.22115
2 Yr CD - $100k1.493.750.012.854.000.20136
30 Mo CD - $100k1.483.750.012.433.700.2395
3 Yr CD - $100k1.383.750.012.824.000.25145
4 Yr CD - $100k1.373.500.012.734.000.30136
5 Yr CD - $100k1.543.750.012.904.000.40136
High Rate Checking0.060.080.041.752.501.00169
Basic Checking0.110.500.010.282.000.0117
IRA - 1 Year - $10k1.634.300.012.653.930.25102
IRA - 1 Year - $100k0.020.030.012.603.500.85258
IRA - Liquid - $10k0.803.590.010.974.000.0517
IRA - Liquid - $100k1.022.520.030.491.250.10-53
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.332.970.010.683.150.0535
Money Market - $10k0.412.970.010.743.150.0533
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 - $25k0.542.970.010.943.150.1540
Money Market - $50k0.673.440.011.093.150.1542
High Rate Money Market - $50k1.873.690.051.783.200.60-9
High Rate Money Market - $100k1.883.690.071.813.250.70-7
Money Market - $100k0.853.500.011.203.150.1535
Money Market - $250k0.933.650.011.353.150.1542
High Rate Money Market - $250k1.883.690.071.853.350.80-3
Money Market - $500k0.602.290.011.031.800.2543
High Rate Money Market - $500k   0.800.800.80 
High Rate Money Market - $1 million   0.800.800.80 
Money Market - $1 million0.602.290.011.031.800.2543
High Rate Savings0.020.020.022.474.880.05245
Regular Savings0.110.500.010.314.890.0119
New Auto - 24 Mo6.5410.174.944.925.893.25-162
New Auto - 36 Mo6.418.634.004.545.892.49-188
New Auto - 48 Mo6.498.634.004.726.002.49-177
New Auto - 60 Mo6.608.904.995.077.153.24-154
New Auto - 72 Mo6.809.904.995.407.753.49-139
New Auto - 84 Mo5.515.894.945.586.554.697
Used Auto - 24 Mo6.7910.624.945.316.393.99-148
Used Auto - 36 Mo7.0210.005.245.007.502.99-202
Used Auto - 48 Mo7.0710.005.245.157.502.99-192
Used Auto - 60 Mo7.049.505.605.487.753.74-156
Used Auto - 72 Mo7.169.504.255.787.754.00-138
Used Auto - 84 Mo5.425.894.946.266.755.6485
Used Boat-60 Mo7.138.056.096.237.252.50-90
New Boat-60 Mo8.1712.255.497.1512.002.50-102
Rewards Credit Card16.3719.999.9914.2117.748.90-216
Credit Card Platinum14.8319.498.9913.4317.248.45-140
Credit Card Classic14.2120.249.9912.4616.908.90-175
Home Equity - LOC 80%7.298.855.506.408.002.50-89
Home Equity - 5 Yr 80%7.5510.505.386.609.244.49-95
Home Equity - 10 Yr 80%7.9311.005.646.7910.245.25-114
Home Equity - 15 Yr 80%7.7412.005.746.828.755.50-92
7 Yr ARM6.8918.5006.0005.3786.7502.875-151
3 Yr ARM6.7208.1255.6506.3818.1254.625-34
5 Yr ARM6.7558.3755.8756.0956.7504.875-66
15 Yr Fixed6.5478.2505.2006.1976.8505.190-35
20 Yr Fixed6.7396.6366.6366.1016.3755.400-64
30 Yr Fixed6.7888.2505.9506.6496.9505.875-14
7 Yr ARM-Jumbo5.0715.0005.000 
Used Motorcycle-60 Mo7.497.497.496.118.582.00-138
New Motorcycle-60 Mo7.497.497.495.977.992.00-153
Used Motorhome-60 Mo7.147.836.345.967.252.00-118
New Motorhome-60 Mo8.1012.255.497.1112.002.00-98
Unsecured - 36 Mo12.1318.008.2410.8014.007.75-133
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* Represents the difference in the average rate between banks and credit unions.