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 - $10k1.075.500.011.695.330.1062
6 Mo CD - $10k1.483.800.012.769.000.10128
9 Mo CD - $10k1.825.500.013.025.331.25120
1 Yr CD - $10k1.654.500.013.144.000.10149
18 Mo CD - $10k1.585.500.013.205.330.18162
2 Yr CD - $10k1.434.100.013.194.550.25175
30 Mo CD - $10k1.385.500.012.933.851.90155
3 Yr CD - $10k1.415.500.013.164.600.35175
4 Yr CD - $10k1.375.500.013.244.202.00186
5 Yr CD - $10k1.505.500.013.244.150.70173
3 Mo CD - $100k1.105.500.011.775.330.1068
6 Mo CD - $100k1.513.800.012.739.000.12122
9 Mo CD - $100k1.925.500.013.025.331.25111
1 Yr CD - $100k1.724.500.013.174.020.18145
18 Mo CD - $100k1.645.500.013.195.330.18155
2 Yr CD - $100k1.504.100.013.194.550.30168
30 Mo CD - $100k1.385.500.012.963.851.95158
3 Yr CD - $100k1.435.500.013.164.600.40173
4 Yr CD - $100k1.435.500.013.244.002.00181
5 Yr CD - $100k1.555.500.013.244.340.75170
High Rate Checking0.030.040.012.755.000.05272
Basic Checking0.081.000.010.091.000.011
HSA - $1k   0.511.000.01 
HSA - $10k   0.511.000.01 
HSA - $25k   0.511.000.01 
IRA - 1 Year - $10k1.433.700.013.164.250.10173
IRA - 1 Year - $100k2.723.701.503.284.251.3056
IRA - Liquid - $10k0.272.470.011.243.780.0197
IRA - Liquid - $100k0.652.000.011.183.720.0153
High Rate Money Market - $2.5k   1.161.980.25 
Money Market - $2.5k0.462.450.011.124.000.0167
Money Market - $10k0.522.450.011.173.150.0165
High Rate Money Market - $10k0.260.500.011.363.150.25110
High Rate Money Market - $25k0.773.440.031.463.150.2569
Money Market - $25k0.613.400.011.263.150.0165
Money Market - $50k0.673.400.011.393.150.0173
High Rate Money Market - $50k0.793.440.051.553.150.2576
High Rate Money Market - $100k0.913.440.141.913.400.75100
Money Market - $100k0.783.400.011.553.400.0177
Money Market - $250k0.913.400.011.643.930.0172
High Rate Money Market - $250k0.430.750.072.193.650.75177
Money Market - $500k0.993.400.011.813.650.0181
High Rate Money Market - $500k   2.584.001.75 
High Rate Money Market - $1 million   2.644.001.95 
Money Market - $1 million0.993.400.011.813.650.0181
High Rate Savings1.703.400.041.833.400.1513
Regular Savings0.173.800.010.222.250.015
New Auto - 24 Mo6.028.994.944.696.493.34-133
New Auto - 36 Mo6.889.004.974.897.003.34-198
New Auto - 48 Mo6.929.254.974.997.003.75-193
New Auto - 60 Mo7.0110.504.975.117.003.99-190
New Auto - 72 Mo7.1310.505.475.327.003.99-182
New Auto - 84 Mo6.398.994.945.526.943.99-87
Used Auto - 24 Mo6.158.994.945.097.003.50-106
Used Auto - 36 Mo7.2910.005.495.309.753.50-199
Used Auto - 48 Mo7.3910.255.495.409.753.75-199
Used Auto - 60 Mo7.4810.505.495.519.753.99-196
Used Auto - 72 Mo7.0110.275.645.759.753.99-126
Used Auto - 84 Mo6.398.994.945.707.003.99-69
Used Boat-60 Mo6.246.495.997.4311.505.49119
New Boat-60 Mo8.2412.005.507.4910.504.49-75
Rewards Credit Card17.2023.2414.4513.1418.497.40-406
Credit Card Platinum15.9319.4912.4911.9517.997.50-398
Credit Card Classic16.4428.249.7412.6227.745.99-382
Home Equity - LOC 80%7.228.555.247.059.250.25-17
Home Equity - 5 Yr 80%6.768.995.746.897.895.6413
Home Equity - 10 Yr 80%6.728.305.647.109.256.1438
Home Equity - 15 Yr 80%6.698.345.647.148.246.2445
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
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo7.497.497.497.0510.494.49-45
New Motorcycle-60 Mo7.497.497.496.6910.494.49-80
Used Motorhome-60 Mo6.376.496.247.3310.505.3496
New Motorhome-60 Mo8.2112.005.507.5210.504.49-69
Unsecured - 36 Mo11.3517.007.9911.1318.006.09-22
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* Represents the difference in the average rate between banks and credit unions.