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 - $10k1.523.700.011.923.900.3040
6 Mo CD - $10k1.753.740.012.754.100.45100
9 Mo CD - $10k1.063.930.013.553.952.85249
1 Yr CD - $10k1.823.750.012.904.100.30108
18 Mo CD - $10k1.343.650.012.834.000.45149
2 Yr CD - $10k1.273.600.012.944.200.90167
30 Mo CD - $10k0.893.200.013.444.051.95255
3 Yr CD - $10k1.153.750.012.884.050.95172
4 Yr CD - $10k1.223.750.012.924.051.00171
5 Yr CD - $10k1.143.500.012.984.101.10184
3 Mo CD - $100k1.413.700.011.873.920.3046
6 Mo CD - $100k1.903.740.012.764.100.4586
9 Mo CD - $100k1.063.930.013.573.952.95251
1 Yr CD - $100k1.763.750.012.914.100.30115
18 Mo CD - $100k1.565.050.012.844.000.45128
2 Yr CD - $100k1.303.600.012.954.200.90166
30 Mo CD - $100k0.833.300.013.444.051.95262
3 Yr CD - $100k1.183.750.012.894.050.95171
4 Yr CD - $100k1.243.750.012.944.051.00169
5 Yr CD - $100k1.133.550.012.994.101.10187
High Rate Checking0.050.100.012.414.071.00236
Basic Checking0.090.500.011.073.500.0197
IRA - 1 Year - $10k1.463.740.013.014.170.70155
IRA - 1 Year - $100k1.683.550.013.354.000.70167
IRA - Liquid - $10k0.233.560.010.655.300.0543
IRA - Liquid - $100k0.523.560.011.063.750.0554
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.631.880.010.672.600.054
Money Market - $10k0.612.750.010.752.700.0514
High Rate Money Market - $10k0.521.750.051.582.470.20106
High Rate Money Market - $25k0.581.750.101.352.580.2077
Money Market - $25k0.772.800.010.922.800.0515
Money Market - $50k0.832.850.011.052.900.1022
High Rate Money Market - $50k0.651.750.151.332.580.3068
High Rate Money Market - $100k0.861.750.201.633.290.3578
Money Market - $100k0.942.900.011.403.000.1046
Money Market - $250k1.082.900.011.573.450.1048
High Rate Money Market - $250k1.002.550.201.883.390.4088
Money Market - $500k0.902.600.051.813.450.1091
High Rate Money Market - $500k1.802.650.750.961.510.40-85
High Rate Money Market - $1 million1.932.801.000.961.510.40-98
Money Market - $1 million0.932.600.052.004.050.10106
High Rate Savings0.090.250.022.373.201.50228
Regular Savings0.131.000.010.100.500.01-3
New Auto - 24 Mo6.548.594.995.9413.254.49-60
New Auto - 36 Mo7.1010.004.495.106.994.19-200
New Auto - 48 Mo7.1110.004.495.146.994.25-196
New Auto - 60 Mo7.2210.004.495.276.994.25-194
New Auto - 72 Mo7.249.564.495.416.994.25-183
New Auto - 84 Mo7.178.595.585.616.504.74-156
Used Auto - 24 Mo6.628.784.995.6210.594.49-99
Used Auto - 36 Mo7.2210.004.495.126.994.19-210
Used Auto - 48 Mo7.2210.004.495.166.994.25-206
Used Auto - 60 Mo7.3610.004.495.306.994.25-206
Used Auto - 72 Mo7.579.564.495.446.994.25-214
Used Auto - 84 Mo7.248.785.586.2612.194.74-98
Used Boat-60 Mo10.0311.019.297.117.896.24-292
New Boat-60 Mo9.2311.525.757.0810.395.49-215
Rewards Credit Card17.5723.2411.9513.1018.498.90-447
Credit Card Platinum16.8018.4911.2511.9515.259.00-485
Credit Card Classic14.6720.2411.4912.3315.758.90-234
Home Equity - LOC 80%8.019.746.506.888.505.75-113
Home Equity - 5 Yr 80%7.798.984.007.429.255.00-37
Home Equity - 10 Yr 80%8.049.664.757.539.255.75-52
Home Equity - 15 Yr 80%8.6110.085.507.819.256.15-80
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
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 Mo9.809.809.807.438.796.24-237
New Motorcycle-60 Mo9.809.809.807.398.796.24-241
Used Motorhome-60 Mo10.0311.019.297.087.596.24-296
New Motorhome-60 Mo9.1611.525.757.008.445.49-216
Unsecured - 36 Mo11.4013.966.7411.4615.996.746
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* Represents the difference in the average rate between banks and credit unions.