RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.055.500.011.885.330.1083
6 Mo CD - $10k1.524.100.012.694.250.10117
9 Mo CD - $10k1.925.500.013.259.001.25133
1 Yr CD - $10k1.654.500.013.154.100.10150
18 Mo CD - $10k1.575.500.013.205.330.18163
2 Yr CD - $10k1.504.250.013.214.550.25171
30 Mo CD - $10k1.385.500.012.983.851.90160
3 Yr CD - $10k1.405.500.013.164.600.35176
4 Yr CD - $10k1.345.500.013.264.202.00192
5 Yr CD - $10k1.505.500.013.254.280.70175
3 Mo CD - $100k1.095.500.011.965.330.1087
6 Mo CD - $100k1.534.100.032.664.250.12113
9 Mo CD - $100k2.005.500.013.259.001.25125
1 Yr CD - $100k1.704.500.013.174.100.18147
18 Mo CD - $100k1.655.500.013.195.330.18154
2 Yr CD - $100k1.584.250.013.224.550.30164
30 Mo CD - $100k1.365.500.013.013.851.95165
3 Yr CD - $100k1.425.500.013.164.600.40175
4 Yr CD - $100k1.435.500.013.274.122.00184
5 Yr CD - $100k1.535.500.013.264.490.75173
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 - $10k1.454.100.013.174.250.10172
IRA - 1 Year - $100k1.884.100.033.314.251.30143
IRA - Liquid - $10k0.272.470.011.273.780.01100
IRA - Liquid - $100k0.652.000.011.143.720.0150
High Rate Money Market - $2.5k   1.161.980.25 
Money Market - $2.5k0.412.500.011.104.000.0170
Money Market - $10k0.452.500.011.163.000.0170
High Rate Money Market - $10k0.260.500.011.343.000.25108
High Rate Money Market - $25k0.290.600.031.443.000.25116
Money Market - $25k0.553.400.011.253.000.0170
Money Market - $50k0.643.400.011.393.000.0175
High Rate Money Market - $50k0.310.600.051.653.250.25134
High Rate Money Market - $100k0.430.750.072.013.250.75158
Money Market - $100k0.743.400.011.553.250.0181
Money Market - $250k0.843.400.011.643.930.0180
High Rate Money Market - $250k0.430.750.072.293.500.75186
Money Market - $500k0.913.400.011.803.500.0189
High Rate Money Market - $500k   2.584.001.75 
High Rate Money Market - $1 million   2.644.001.95 
Money Market - $1 million0.913.400.011.803.500.0189
High Rate Savings1.653.300.041.833.400.1518
Regular Savings0.173.900.010.222.250.015
New Auto - 24 Mo6.028.994.944.636.502.99-140
New Auto - 36 Mo6.889.004.974.807.002.99-208
New Auto - 48 Mo6.959.254.974.927.003.65-204
New Auto - 60 Mo7.0110.504.975.037.003.65-198
New Auto - 72 Mo7.1810.505.475.267.003.65-192
New Auto - 84 Mo6.458.994.945.487.753.99-98
Used Auto - 24 Mo6.158.994.945.067.252.99-108
Used Auto - 36 Mo7.3210.005.395.269.752.99-207
Used Auto - 48 Mo7.4110.255.395.359.753.70-206
Used Auto - 60 Mo7.5210.505.395.469.753.95-206
Used Auto - 72 Mo7.0710.275.895.719.753.99-135
Used Auto - 84 Mo6.458.994.945.707.253.99-75
Used Boat-60 Mo6.677.246.097.3811.505.4971
New Boat-60 Mo8.6212.006.097.4310.504.49-118
Rewards Credit Card17.1523.2414.4513.1218.497.40-403
Credit Card Platinum15.9519.4912.4911.9417.997.50-401
Credit Card Classic16.4428.249.7412.8527.747.49-359
Home Equity - LOC 80%7.159.025.247.039.000.25-12
Home Equity - 5 Yr 80%6.698.455.747.209.905.6451
Home Equity - 10 Yr 80%6.778.305.647.369.906.1459
Home Equity - 15 Yr 80%6.778.305.747.469.906.2468
7 Yr ARM6.8056.9106.3756.4117.0575.500-39
3 Yr ARM6.9967.5106.0006.3678.0005.000-63
5 Yr ARM6.7167.9505.3876.3307.0435.250-39
15 Yr Fixed6.4077.2505.2506.1176.6894.875-29
20 Yr Fixed6.8976.9266.6366.4776.8785.823-42
30 Yr Fixed6.7947.6255.7506.5817.2505.625-21
15 Yr Fixed-Jumbo6.4476.3206.320 
20 Yr Fixed-Jumbo7.0126.9086.908 
7 Yr ARM-Jumbo6.5296.4516.451 
5 Yr ARM-Jumbo6.5086.4316.431 
30 Yr Fixed-Jumbo7.0566.9766.976 
Used Motorcycle-60 Mo7.497.497.497.0610.494.49-43
New Motorcycle-60 Mo7.497.497.496.7010.494.49-79
Used Motorhome-60 Mo6.797.246.347.3310.505.3454
New Motorhome-60 Mo8.5912.006.347.4910.504.49-109
Unsecured - 36 Mo11.2817.007.9911.1618.006.09-12
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* Represents the difference in the average rate between banks and credit unions.