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 - $10k1.504.140.012.835.330.50133
6 Mo CD - $10k2.134.150.013.074.100.1094
9 Mo CD - $10k2.244.090.013.589.002.70134
1 Yr CD - $10k2.324.150.013.314.300.7099
18 Mo CD - $10k2.224.200.013.225.330.75100
2 Yr CD - $10k2.204.250.013.133.950.6592
30 Mo CD - $10k2.143.960.013.043.591.5590
3 Yr CD - $10k2.194.350.013.094.000.7589
4 Yr CD - $10k2.234.350.013.084.450.6585
5 Yr CD - $10k2.254.400.013.094.001.0084
3 Mo CD - $100k1.534.140.012.915.330.50137
6 Mo CD - $100k2.164.150.013.104.150.1094
9 Mo CD - $100k2.284.090.013.569.002.75128
1 Yr CD - $100k2.334.150.013.334.350.70100
18 Mo CD - $100k2.254.200.013.215.330.7596
2 Yr CD - $100k2.234.250.013.154.000.6593
30 Mo CD - $100k2.163.960.013.163.651.55100
3 Yr CD - $100k2.244.350.013.124.250.7588
4 Yr CD - $100k2.244.350.013.044.500.6581
5 Yr CD - $100k2.294.400.013.094.051.0080
Youth/Student Checking   0.100.100.10 
High Rate Checking0.643.500.013.395.000.30275
Basic Checking0.181.980.010.624.250.0144
HSA - $1k0.110.200.010.200.200.2010
HSA - $10k0.831.250.400.500.500.50-33
HSA - $25k0.400.400.401.011.011.0161
IRA - 1 Year - $10k2.314.050.013.344.200.70103
IRA - 1 Year - $100k2.043.750.013.344.001.30129
IRA - Liquid - $10k1.014.750.010.784.080.01-23
IRA - Liquid - $100k0.953.430.011.025.090.017
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.512.980.010.872.370.0536
Money Market - $10k0.622.980.011.083.250.0547
High Rate Money Market - $10k0.693.200.010.883.250.2519
High Rate Money Market - $25k1.383.600.012.223.250.2583
Money Market - $25k0.753.550.011.273.250.0552
Money Market - $50k0.903.550.011.453.250.0555
High Rate Money Market - $50k1.463.600.012.343.250.2587
High Rate Money Market - $100k1.773.600.012.603.251.5083
Money Market - $100k1.073.550.011.703.750.0563
Money Market - $250k1.263.550.011.843.960.0557
High Rate Money Market - $250k1.933.600.012.753.351.5582
Money Market - $500k1.223.400.011.903.350.0568
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 million1.243.400.011.923.350.0568
High Rate Savings0.752.500.022.815.010.05206
Regular Savings0.242.000.010.244.080.010
New Auto - 24 Mo6.678.594.994.515.893.34-217
New Auto - 36 Mo7.1211.003.504.817.503.34-231
New Auto - 48 Mo7.1712.003.834.938.003.99-224
New Auto - 60 Mo7.2412.253.885.028.003.99-223
New Auto - 72 Mo7.3810.254.005.268.253.99-212
New Auto - 84 Mo7.088.595.395.667.743.99-142
Used Auto - 24 Mo6.698.594.994.746.093.84-195
Used Auto - 36 Mo7.4712.004.444.997.503.84-248
Used Auto - 48 Mo7.5712.004.465.128.003.99-245
Used Auto - 60 Mo7.4012.254.255.198.003.99-222
Used Auto - 72 Mo7.2611.384.995.468.253.99-179
Used Auto - 84 Mo7.088.595.395.947.743.99-114
Used Boat-60 Mo8.669.946.997.3210.004.49-134
New Boat-60 Mo8.1412.500.507.1510.004.19-99
Rewards Credit Card16.9219.998.0014.4517.998.99-246
Credit Card Platinum15.6318.748.0012.6317.997.90-299
Credit Card Classic15.6928.246.9913.8627.747.90-182
Home Equity - LOC 80%7.599.504.996.609.344.99-99
Home Equity - 5 Yr 80%7.419.384.756.879.505.50-55
Home Equity - 10 Yr 80%7.569.374.756.919.505.49-65
Home Equity - 15 Yr 80%7.449.204.757.139.415.59-31
7 Yr ARM6.5968.2505.6256.8227.1255.59323
3 Yr ARM7.2279.7505.8756.4656.7325.050-76
5 Yr ARM7.20810.2505.5006.8207.8155.350-39
15 Yr Fixed6.2339.0004.0006.2816.7535.2505
20 Yr Fixed6.7137.0056.3496.4857.2365.588-23
30 Yr Fixed6.5327.2504.1256.6947.1245.87516
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 Mo7.6510.196.027.0710.054.49-57
New Motorcycle-60 Mo7.6410.196.026.819.144.10-83
Used Motorhome-60 Mo8.679.946.997.4212.004.49-125
New Motorhome-60 Mo8.3212.503.887.2812.004.19-104
Unsecured - 36 Mo11.5219.755.3810.6116.004.99-90
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* Represents the difference in the average rate between banks and credit unions.