RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 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 - $10k0.793.640.011.403.540.0561
6 Mo CD - $10k1.363.850.012.163.500.0780
9 Mo CD - $10k1.783.850.012.795.300.75101
1 Yr CD - $10k1.573.750.012.804.000.10123
18 Mo CD - $10k1.463.790.012.723.750.12127
2 Yr CD - $10k1.383.750.012.734.000.15135
30 Mo CD - $10k1.453.750.012.273.250.1882
3 Yr CD - $10k1.343.750.012.684.000.20134
4 Yr CD - $10k1.303.500.012.574.000.30127
5 Yr CD - $10k1.523.750.012.764.000.30124
3 Mo CD - $100k0.843.640.011.413.540.0757
6 Mo CD - $100k1.383.850.012.173.500.1079
9 Mo CD - $100k1.963.850.012.805.300.7584
1 Yr CD - $100k1.653.750.012.784.000.20113
18 Mo CD - $100k1.493.790.012.753.750.22125
2 Yr CD - $100k1.413.750.012.764.000.20135
30 Mo CD - $100k1.453.750.012.313.450.2386
3 Yr CD - $100k1.363.750.012.734.000.25137
4 Yr CD - $100k1.333.600.012.634.000.30130
5 Yr CD - $100k1.543.750.012.844.000.40130
High Rate Checking0.060.080.041.752.501.00169
Basic Checking0.100.500.010.282.000.0117
IRA - 1 Year - $10k1.423.750.012.653.930.25123
IRA - 1 Year - $100k1.012.000.012.603.500.85160
IRA - Liquid - $10k0.623.400.010.913.000.0530
IRA - Liquid - $100k1.022.520.030.491.250.10-53
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.272.290.010.683.150.0540
Money Market - $10k0.483.600.010.743.150.0526
High Rate Money Market - $10k3.693.693.690.672.000.25-302
High Rate Money Market - $25k3.693.693.691.513.150.60-218
Money Market - $25k0.613.600.010.833.150.1522
Money Market - $50k0.713.600.010.993.150.1528
High Rate Money Market - $50k3.693.693.691.723.200.60-197
High Rate Money Market - $100k3.693.693.691.753.250.70-194
Money Market - $100k0.833.600.011.113.150.1529
Money Market - $250k0.903.650.011.263.150.1536
High Rate Money Market - $250k3.693.693.691.793.350.80-190
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 Savings0.120.500.010.314.890.0120
New Auto - 24 Mo6.4710.174.945.005.893.25-147
New Auto - 36 Mo6.408.634.004.546.742.49-186
New Auto - 48 Mo6.488.634.004.716.742.49-176
New Auto - 60 Mo6.618.904.995.057.153.24-156
New Auto - 72 Mo6.829.904.995.387.753.49-144
New Auto - 84 Mo5.435.704.945.666.554.6923
Used Auto - 24 Mo6.7210.624.945.316.393.99-141
Used Auto - 36 Mo7.0310.005.244.897.502.99-214
Used Auto - 48 Mo7.049.505.245.057.502.99-199
Used Auto - 60 Mo7.069.505.495.397.753.74-168
Used Auto - 72 Mo7.219.504.255.707.753.99-152
Used Auto - 84 Mo5.295.644.946.266.755.6497
Used Boat-60 Mo6.848.055.996.739.242.50-11
New Boat-60 Mo8.1612.255.497.2312.002.50-92
Rewards Credit Card16.4719.999.9914.1417.748.90-233
Credit Card Platinum14.8319.498.9913.7417.248.45-109
Credit Card Classic14.5620.249.9912.7316.908.90-183
Home Equity - LOC 80%7.308.855.506.418.002.50-88
Home Equity - 5 Yr 80%7.5310.505.386.659.244.49-89
Home Equity - 10 Yr 80%7.9511.005.606.8310.245.25-112
Home Equity - 15 Yr 80%7.7312.005.646.828.755.50-91
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
7 Yr ARM-Jumbo 
Used Motorcycle-60 Mo7.497.497.496.408.992.00-109
New Motorcycle-60 Mo7.497.497.496.308.992.00-119
Used Motorhome-60 Mo6.857.836.246.569.242.00-30
New Motorhome-60 Mo8.0212.255.497.2012.002.00-82
Unsecured - 36 Mo12.2018.008.2410.8514.007.75-135
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* Represents the difference in the average rate between banks and credit unions.