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 - $10k1.553.750.053.315.001.01176
6 Mo CD - $10k2.113.750.053.445.001.51132
9 Mo CD - $10k1.863.700.043.623.793.50176
1 Yr CD - $10k2.383.920.043.323.802.0095
18 Mo CD - $10k2.133.650.053.173.901.75104
2 Yr CD - $10k2.333.730.053.094.001.5076
30 Mo CD - $10k2.123.470.083.774.103.55165
3 Yr CD - $10k2.323.700.082.944.201.2562
4 Yr CD - $10k2.313.800.102.813.751.0050
5 Yr CD - $10k2.303.800.102.783.751.0048
3 Mo CD - $100k1.563.750.053.325.001.01176
6 Mo CD - $100k2.153.850.053.465.001.51131
9 Mo CD - $100k1.863.700.043.623.793.50176
1 Yr CD - $100k2.433.920.043.353.902.0092
18 Mo CD - $100k2.193.650.053.173.901.7598
2 Yr CD - $100k2.383.730.053.114.001.5073
30 Mo CD - $100k2.093.470.083.774.103.55168
3 Yr CD - $100k2.363.700.082.974.201.2560
4 Yr CD - $100k2.343.800.102.843.901.0050
5 Yr CD - $100k2.333.800.102.813.901.0048
High Rate Checking1.553.000.105.005.005.00345
Basic Checking0.242.960.010.090.250.01-15
IRA - 1 Year - $10k2.303.620.043.133.790.2583
IRA - 1 Year - $100k0.892.000.042.793.750.25190
IRA - Liquid - $10k1.394.170.011.052.530.05-34
IRA - Liquid - $100k0.712.500.010.882.230.2017
Money Market - $2.5k0.461.980.010.982.950.2552
Money Market - $10k0.552.370.010.881.750.3533
High Rate Money Market - $10k0.380.500.08    
High Rate Money Market - $25k1.033.350.10    
Money Market - $25k0.763.340.011.042.050.5028
Money Market - $50k0.913.340.011.182.050.5028
High Rate Money Market - $50k1.033.350.10    
High Rate Money Market - $100k1.153.350.10    
Money Market - $100k1.143.340.051.362.560.5021
Money Market - $250k1.303.340.051.482.560.5018
High Rate Money Market - $250k0.802.550.10    
Money Market - $500k1.043.400.021.922.561.0089
High Rate Money Market - $500k0.250.250.25    
High Rate Money Market - $1 million0.250.250.25    
Money Market - $1 million1.043.400.021.922.561.0089
High Rate Savings1.103.250.022.933.002.85183
Regular Savings0.332.960.010.201.000.05-13
New Auto - 24 Mo6.508.595.574.494.753.99-201
New Auto - 36 Mo7.3410.755.005.197.743.99-215
New Auto - 48 Mo7.3410.755.005.267.744.15-208
New Auto - 60 Mo7.4610.755.005.317.744.24-215
New Auto - 72 Mo7.4310.755.005.557.744.25-188
New Auto - 84 Mo7.178.595.745.085.744.25-209
Used Auto - 24 Mo7.6210.035.744.494.753.99-313
Used Auto - 36 Mo7.5110.755.005.217.743.99-230
Used Auto - 48 Mo7.5310.755.505.287.744.15-225
Used Auto - 60 Mo7.6310.755.505.337.744.24-230
Used Auto - 72 Mo7.7110.755.505.557.744.25-216
Used Auto - 84 Mo7.178.595.745.085.744.25-209
Used Boat-60 Mo9.299.299.296.467.994.50-283
New Boat-60 Mo7.8911.285.006.478.094.50-142
Rewards Credit Card17.2519.4912.7412.2317.748.88-503
Credit Card Platinum16.5119.4912.4912.3517.247.00-416
Credit Card Classic17.7129.9012.9012.4017.007.75-531
Home Equity - LOC 80%7.909.506.506.928.005.75-98
Home Equity - 5 Yr 80%6.999.755.257.528.906.0053
Home Equity - 10 Yr 80%7.719.927.007.548.813.99-17
Home Equity - 15 Yr 80%8.1910.116.207.789.504.99-41
7 Yr ARM6.0796.3995.6256.9466.8756.87587
5 Yr ARM6.3886.9005.5006.8206.7506.75043
15 Yr Fixed6.0426.8755.2505.9107.0005.250-13
20 Yr Fixed6.2666.3506.003 
30 Yr Fixed6.4736.9735.9906.5307.5006.0006
Used Motorcycle-60 Mo   5.807.254.50 
New Motorcycle-60 Mo   5.807.254.50 
Used Motorhome-60 Mo9.299.299.295.837.254.50-346
New Motorhome-60 Mo8.0611.285.006.488.094.50-158
Unsecured - 36 Mo10.9415.506.0011.1315.008.5019
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* Represents the difference in the average rate between banks and credit unions.