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 - $10k1.554.140.012.805.330.20125
6 Mo CD - $10k2.114.110.013.119.000.10100
9 Mo CD - $10k2.204.080.013.475.332.70127
1 Yr CD - $10k2.294.060.013.294.300.70100
18 Mo CD - $10k2.184.050.013.185.330.7599
2 Yr CD - $10k2.194.100.013.083.950.6589
30 Mo CD - $10k2.083.740.012.993.501.5591
3 Yr CD - $10k2.164.150.013.063.900.7590
4 Yr CD - $10k2.214.250.013.044.450.6584
5 Yr CD - $10k2.254.250.013.084.001.0083
3 Mo CD - $100k1.584.140.012.885.330.20130
6 Mo CD - $100k2.134.110.013.139.000.10100
9 Mo CD - $100k2.244.080.013.475.332.75123
1 Yr CD - $100k2.314.060.013.304.350.7099
18 Mo CD - $100k2.224.050.013.175.330.7594
2 Yr CD - $100k2.204.100.013.114.000.6592
30 Mo CD - $100k2.103.740.013.103.651.55100
3 Yr CD - $100k2.204.150.013.093.950.7590
4 Yr CD - $100k2.234.250.013.024.500.6579
5 Yr CD - $100k2.284.250.013.084.051.0080
Youth/Student Checking   0.100.100.10 
High Rate Checking0.643.500.013.395.000.30275
Basic Checking0.191.980.010.634.250.0145
HSA - $1k0.010.010.010.200.200.2019
HSA - $10k1.251.251.250.500.500.50-75
HSA - $25k   1.011.011.01 
IRA - 1 Year - $10k2.294.000.013.314.200.70102
IRA - 1 Year - $100k2.053.550.013.344.001.30129
IRA - Liquid - $10k1.024.750.010.754.080.01-27
IRA - Liquid - $100k0.963.490.011.005.090.015
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.512.960.010.862.370.0535
Money Market - $10k0.612.960.011.073.250.0546
High Rate Money Market - $10k0.693.200.010.883.250.2519
High Rate Money Market - $25k1.553.600.012.223.250.2566
Money Market - $25k0.743.550.011.253.250.0550
Money Market - $50k0.883.550.011.433.250.0555
High Rate Money Market - $50k1.613.600.012.343.250.2573
High Rate Money Market - $100k2.033.600.012.603.251.5057
Money Market - $100k1.043.550.011.683.750.0564
Money Market - $250k1.213.550.011.813.960.0560
High Rate Money Market - $250k2.283.600.012.753.351.5548
Money Market - $500k1.082.950.011.833.350.0575
High Rate Money Market - $500k2.282.552.001.751.751.75-53
High Rate Money Market - $1 million2.282.552.001.951.951.95-33
Money Market - $1 million1.102.950.011.853.350.0576
High Rate Savings0.752.500.022.815.010.05206
Regular Savings0.242.000.010.254.080.011
New Auto - 24 Mo6.728.594.994.545.893.34-217
New Auto - 36 Mo7.0111.003.504.837.503.34-218
New Auto - 48 Mo7.0912.003.634.938.003.85-216
New Auto - 60 Mo7.1812.253.755.018.003.85-217
New Auto - 72 Mo7.279.853.755.258.253.85-203
New Auto - 84 Mo7.088.595.395.657.743.85-143
Used Auto - 24 Mo6.748.594.994.786.093.84-196
Used Auto - 36 Mo7.4112.004.005.007.503.84-241
Used Auto - 48 Mo7.5012.004.135.128.003.99-238
Used Auto - 60 Mo7.3912.254.255.198.003.99-221
Used Auto - 72 Mo7.3011.384.995.458.253.99-185
Used Auto - 84 Mo7.088.595.395.937.743.99-114
Used Boat-60 Mo8.439.945.757.3510.004.49-108
New Boat-60 Mo8.0912.500.507.1910.004.19-89
Rewards Credit Card16.8620.498.0014.4517.998.99-240
Credit Card Platinum15.7218.748.0012.6217.997.90-310
Credit Card Classic15.7128.246.9913.9027.747.90-181
Home Equity - LOC 80%7.649.504.996.609.344.99-104
Home Equity - 5 Yr 80%7.449.384.756.879.505.50-57
Home Equity - 10 Yr 80%7.529.224.756.919.505.49-62
Home Equity - 15 Yr 80%7.409.004.757.139.415.59-27
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 Mo7.5010.195.757.0610.054.35-44
New Motorcycle-60 Mo7.4910.195.756.809.143.85-69
Used Motorhome-60 Mo8.479.945.757.4312.004.49-104
New Motorhome-60 Mo8.2912.503.887.3212.004.19-97
Unsecured - 36 Mo11.6019.755.3810.6016.004.99-100
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* Represents the difference in the average rate between banks and credit unions.