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 - $10k1.553.750.053.315.001.01175
6 Mo CD - $10k2.133.750.053.445.001.51130
9 Mo CD - $10k1.883.700.043.623.793.50173
1 Yr CD - $10k2.393.750.043.303.792.0091
18 Mo CD - $10k2.113.470.053.153.751.75104
2 Yr CD - $10k2.343.500.053.083.751.5074
30 Mo CD - $10k2.093.470.083.673.753.55158
3 Yr CD - $10k2.343.500.082.923.801.2558
4 Yr CD - $10k2.303.800.102.813.751.0051
5 Yr CD - $10k2.283.600.102.783.751.0050
3 Mo CD - $100k1.553.750.053.325.001.01178
6 Mo CD - $100k2.153.890.053.465.001.51132
9 Mo CD - $100k1.893.700.043.623.793.50173
1 Yr CD - $100k2.453.750.043.323.902.0087
18 Mo CD - $100k2.173.620.053.153.751.7598
2 Yr CD - $100k2.393.600.053.093.901.5070
30 Mo CD - $100k2.093.470.083.673.753.55158
3 Yr CD - $100k2.353.650.082.953.901.2560
4 Yr CD - $100k2.333.800.102.843.901.0051
5 Yr CD - $100k2.323.600.102.813.901.0050
High Rate Checking1.553.000.105.005.005.00345
Basic Checking0.201.980.010.090.250.01-11
IRA - 1 Year - $10k2.323.750.043.133.790.2580
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 - $10k0.562.370.010.881.750.3531
High Rate Money Market - $10k0.380.500.08    
High Rate Money Market - $25k1.033.350.10    
Money Market - $25k0.742.760.011.042.050.5030
Money Market - $50k0.893.250.011.182.050.5029
High Rate Money Market - $50k1.033.350.10    
High Rate Money Market - $100k1.153.350.10    
Money Market - $100k1.113.250.051.352.490.5024
Money Market - $250k1.283.250.051.472.500.5019
High Rate Money Market - $250k0.802.550.10    
Money Market - $500k0.642.300.021.912.501.00127
High Rate Money Market - $500k0.250.250.25    
High Rate Money Market - $1 million0.250.250.25    
Money Market - $1 million0.642.300.021.912.501.00127
High Rate Savings1.113.250.022.933.002.85182
Regular Savings0.333.050.010.201.000.05-13
New Auto - 24 Mo6.508.595.574.565.273.99-194
New Auto - 36 Mo7.3610.755.005.187.993.99-218
New Auto - 48 Mo7.3610.755.005.267.994.24-211
New Auto - 60 Mo7.5110.755.005.317.994.25-220
New Auto - 72 Mo7.4310.755.005.557.994.25-188
New Auto - 84 Mo7.178.595.745.175.744.25-200
Used Auto - 24 Mo7.6210.035.744.565.273.99-305
Used Auto - 36 Mo7.5211.505.005.207.993.99-232
Used Auto - 48 Mo7.5711.505.505.277.994.24-230
Used Auto - 60 Mo7.6711.505.505.327.994.25-235
Used Auto - 72 Mo7.7110.755.505.557.994.25-216
Used Auto - 84 Mo7.178.595.745.175.744.25-200
Used Boat-60 Mo9.299.299.296.597.994.50-270
New Boat-60 Mo7.9311.285.006.488.094.50-146
Rewards Credit Card17.6029.909.9912.2317.748.88-537
Credit Card Platinum16.5119.4912.4912.3517.247.00-416
Credit Card Classic17.7129.9012.9012.4017.007.75-531
Home Equity - LOC 80%7.949.506.507.038.005.75-91
Home Equity - 5 Yr 80%7.049.755.257.918.907.5088
Home Equity - 10 Yr 80%7.719.927.007.698.813.99-3
Home Equity - 15 Yr 80%8.2110.116.257.969.504.99-25
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.019 
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
Used Motorcycle-60 Mo   5.997.254.50 
New Motorcycle-60 Mo   5.997.254.50 
Used Motorhome-60 Mo9.299.299.296.017.254.50-328
New Motorhome-60 Mo8.1011.285.006.368.094.50-175
Unsecured - 36 Mo10.9315.506.0011.1315.008.5020
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* Represents the difference in the average rate between banks and credit unions.