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 - $10k1.513.700.011.823.900.3031
6 Mo CD - $10k1.873.740.012.754.100.4588
9 Mo CD - $10k1.393.980.013.553.952.85216
1 Yr CD - $10k1.813.750.012.894.100.49107
18 Mo CD - $10k1.443.650.012.914.050.80147
2 Yr CD - $10k1.333.600.012.904.200.70158
30 Mo CD - $10k0.893.200.013.444.051.95255
3 Yr CD - $10k1.243.750.012.834.050.80159
4 Yr CD - $10k1.203.750.012.864.050.90167
5 Yr CD - $10k1.243.500.012.924.101.00168
3 Mo CD - $100k1.523.700.011.773.900.3025
6 Mo CD - $100k1.913.740.012.764.100.4585
9 Mo CD - $100k1.393.980.013.573.952.95218
1 Yr CD - $100k1.863.940.012.904.100.49104
18 Mo CD - $100k1.575.050.012.924.050.80135
2 Yr CD - $100k1.353.600.012.914.200.70156
30 Mo CD - $100k0.933.300.013.444.051.95252
3 Yr CD - $100k1.213.750.012.844.050.80164
4 Yr CD - $100k1.323.750.012.884.050.90156
5 Yr CD - $100k1.173.550.012.944.101.00176
High Rate Checking0.050.100.012.414.071.00236
Basic Checking0.080.500.011.073.500.0199
IRA - 1 Year - $10k1.683.740.012.994.170.70132
IRA - 1 Year - $100k1.013.550.013.354.000.70234
IRA - Liquid - $10k0.233.560.010.565.300.0533
IRA - Liquid - $100k0.523.560.010.783.040.0526
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.511.880.010.672.600.0516
Money Market - $10k0.582.750.010.752.700.0517
High Rate Money Market - $10k0.521.750.051.582.470.20106
High Rate Money Market - $25k0.581.750.101.352.580.2077
Money Market - $25k0.763.340.010.922.800.0516
Money Market - $50k0.843.340.011.052.900.1022
High Rate Money Market - $50k0.651.750.151.332.580.3068
High Rate Money Market - $100k0.861.750.201.633.290.3578
Money Market - $100k0.983.340.011.403.000.1042
Money Market - $250k1.113.340.011.573.450.1045
High Rate Money Market - $250k1.002.550.201.883.390.4088
Money Market - $500k1.143.400.051.813.450.1067
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 million1.173.400.052.004.050.1082
High Rate Savings0.080.250.022.413.401.50233
Regular Savings0.141.000.010.100.500.01-4
New Auto - 24 Mo6.548.594.995.8313.254.49-71
New Auto - 36 Mo7.1110.004.495.056.744.19-205
New Auto - 48 Mo7.1510.004.495.096.744.25-206
New Auto - 60 Mo7.2310.004.495.226.744.25-201
New Auto - 72 Mo7.299.564.495.366.994.25-193
New Auto - 84 Mo7.178.595.585.596.504.74-158
Used Auto - 24 Mo6.628.784.995.6110.594.49-100
Used Auto - 36 Mo7.1410.004.495.086.744.19-206
Used Auto - 48 Mo7.1910.004.495.116.744.25-208
Used Auto - 60 Mo7.2610.004.495.246.744.25-202
Used Auto - 72 Mo7.399.564.495.386.994.25-200
Used Auto - 84 Mo7.248.785.586.2412.194.74-100
Used Boat-60 Mo10.0311.019.297.117.896.24-292
New Boat-60 Mo9.3211.525.757.0610.394.99-227
Rewards Credit Card17.6123.2411.9513.0518.498.90-455
Credit Card Platinum16.8018.4911.2511.9515.259.00-485
Credit Card Classic14.6720.2411.4912.2515.758.90-242
Home Equity - LOC 80%7.889.746.506.858.505.75-103
Home Equity - 5 Yr 80%7.958.984.007.469.255.00-49
Home Equity - 10 Yr 80%8.129.664.757.569.255.75-56
Home Equity - 15 Yr 80%8.6110.085.507.9810.496.15-63
7 Yr ARM6.5157.4405.6256.6997.1295.99018
5 Yr ARM6.4897.4465.5006.5207.2284.9903
15 Yr Fixed6.0147.2505.0006.0676.7505.0005
20 Yr Fixed6.6456.8016.3496.3976.5036.112-25
30 Yr Fixed6.5627.2115.7506.5426.8755.875-2
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 Mo9.809.809.807.488.796.49-232
New Motorcycle-60 Mo9.809.809.807.448.796.49-236
Used Motorhome-60 Mo10.0311.019.297.097.596.49-294
New Motorhome-60 Mo9.2211.525.756.988.444.99-224
Unsecured - 36 Mo11.5114.676.7411.5515.999.004
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* Represents the difference in the average rate between banks and credit unions.