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 - $10k1.065.500.011.875.330.1081
6 Mo CD - $10k1.503.900.012.704.250.10120
9 Mo CD - $10k1.885.500.013.259.001.25137
1 Yr CD - $10k1.634.500.013.154.100.10152
18 Mo CD - $10k1.555.500.013.215.330.18166
2 Yr CD - $10k1.434.100.013.224.550.25179
30 Mo CD - $10k1.375.500.012.983.851.90161
3 Yr CD - $10k1.375.500.013.174.600.35180
4 Yr CD - $10k1.365.500.013.274.202.00191
5 Yr CD - $10k1.495.500.013.274.150.70178
3 Mo CD - $100k1.095.500.011.955.330.1086
6 Mo CD - $100k1.613.900.032.674.250.12106
9 Mo CD - $100k1.975.500.013.269.001.25129
1 Yr CD - $100k1.714.500.013.174.100.18146
18 Mo CD - $100k1.575.500.013.205.330.18163
2 Yr CD - $100k1.484.100.013.224.550.30174
30 Mo CD - $100k1.425.500.013.013.851.95160
3 Yr CD - $100k1.435.500.013.174.600.40174
4 Yr CD - $100k1.425.500.013.274.002.00185
5 Yr CD - $100k1.535.500.013.274.340.75175
High Rate Checking0.030.040.012.775.000.05275
Basic Checking0.081.000.010.081.000.011
HSA - $1k   0.511.000.01 
HSA - $10k   0.511.000.01 
HSA - $25k   0.511.000.01 
IRA - 1 Year - $10k1.373.700.013.174.250.10180
IRA - 1 Year - $100k2.143.700.033.294.251.30115
IRA - Liquid - $10k0.272.470.011.253.780.0198
IRA - Liquid - $100k0.652.000.011.183.720.0153
High Rate Money Market - $2.5k   1.161.980.25 
Money Market - $2.5k0.432.500.011.114.000.0169
Money Market - $10k0.442.500.011.173.000.0173
High Rate Money Market - $10k0.260.500.011.343.000.25108
High Rate Money Market - $25k0.290.600.031.443.000.25116
Money Market - $25k0.533.400.011.263.000.0173
Money Market - $50k0.623.400.011.403.000.0178
High Rate Money Market - $50k0.310.600.051.543.000.25123
High Rate Money Market - $100k0.430.750.071.903.250.75147
Money Market - $100k0.733.400.011.563.250.0183
Money Market - $250k0.833.400.011.653.930.0182
High Rate Money Market - $250k0.430.750.072.183.500.75175
Money Market - $500k0.993.400.011.803.500.0181
High Rate Money Market - $500k   2.584.001.75 
High Rate Money Market - $1 million   2.644.001.95 
Money Market - $1 million0.993.400.011.803.500.0181
High Rate Savings1.643.300.021.833.400.1519
Regular Savings0.163.800.010.222.250.015
New Auto - 24 Mo5.978.994.944.646.502.99-133
New Auto - 36 Mo6.889.004.974.877.002.99-202
New Auto - 48 Mo6.959.254.974.987.003.65-198
New Auto - 60 Mo7.0310.504.975.107.003.65-193
New Auto - 72 Mo7.1510.505.475.307.003.65-185
New Auto - 84 Mo6.398.994.945.486.503.99-91
Used Auto - 24 Mo6.108.994.945.037.252.99-107
Used Auto - 36 Mo7.2510.005.345.299.752.99-196
Used Auto - 48 Mo7.4010.255.345.409.753.75-200
Used Auto - 60 Mo7.4110.505.345.519.753.99-190
Used Auto - 72 Mo7.0110.275.645.749.753.99-127
Used Auto - 84 Mo6.398.994.945.717.253.99-68
Used Boat-60 Mo6.677.246.097.3311.505.4967
New Boat-60 Mo8.2612.005.507.4510.504.49-80
Rewards Credit Card17.1823.2414.4513.1318.497.40-405
Credit Card Platinum15.9119.4912.4911.9517.997.50-396
Credit Card Classic16.4428.249.7412.7327.745.99-371
Home Equity - LOC 80%7.188.505.497.009.000.25-18
Home Equity - 5 Yr 80%6.678.375.746.837.895.6416
Home Equity - 10 Yr 80%6.758.305.647.099.256.1434
Home Equity - 15 Yr 80%6.778.305.747.148.246.2437
7 Yr ARM6.7736.8756.3756.3617.0575.375-41
3 Yr ARM6.9237.5005.8756.3258.0004.875-60
5 Yr ARM6.6857.8705.3516.1657.0434.640-52
15 Yr Fixed6.3317.2505.2506.0026.5634.625-33
20 Yr Fixed6.8026.8196.5126.3516.8785.572-45
30 Yr Fixed6.7487.6255.7506.4577.1255.375-29
15 Yr Fixed-Jumbo6.3156.2026.202 
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.844 
Used Motorcycle-60 Mo7.497.497.497.0010.494.49-49
New Motorcycle-60 Mo7.497.497.496.6510.494.49-84
Used Motorhome-60 Mo6.797.246.347.2810.505.3449
New Motorhome-60 Mo8.2412.005.507.5110.504.49-73
Unsecured - 36 Mo11.2517.007.9911.1518.006.09-11
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* Represents the difference in the average rate between banks and credit unions.