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 - $10k1.554.140.012.865.330.50132
6 Mo CD - $10k2.134.150.013.104.140.1097
9 Mo CD - $10k2.254.090.013.659.002.70140
1 Yr CD - $10k2.324.050.013.314.300.7098
18 Mo CD - $10k2.254.300.013.225.330.7597
2 Yr CD - $10k2.234.250.013.164.070.6593
30 Mo CD - $10k2.173.990.013.043.591.5586
3 Yr CD - $10k2.214.500.013.104.350.7589
4 Yr CD - $10k2.244.500.013.084.450.6583
5 Yr CD - $10k2.284.500.013.124.001.0084
3 Mo CD - $100k1.564.140.012.945.330.50137
6 Mo CD - $100k2.164.150.013.124.150.1097
9 Mo CD - $100k2.304.090.013.669.002.75136
1 Yr CD - $100k2.354.050.013.294.350.0594
18 Mo CD - $100k2.274.300.013.225.330.7595
2 Yr CD - $100k2.274.250.013.184.100.6592
30 Mo CD - $100k2.213.990.013.163.651.5595
3 Yr CD - $100k2.234.500.013.134.350.7590
4 Yr CD - $100k2.274.500.013.064.500.6579
5 Yr CD - $100k2.314.500.013.124.051.0081
Youth/Student Checking   0.100.100.10 
High Rate Checking0.643.500.013.395.000.30275
Basic Checking0.181.980.010.624.250.0145
HSA - $1k0.110.200.010.200.200.2010
HSA - $10k0.831.250.400.500.500.50-33
HSA - $25k0.400.400.400.750.750.7535
IRA - 1 Year - $10k2.334.050.013.344.200.70102
IRA - 1 Year - $100k1.773.800.013.344.001.30157
IRA - Liquid - $10k0.984.750.010.804.080.01-18
IRA - Liquid - $100k1.033.850.011.025.090.01-2
High Rate Money Market - $2.5k0.650.750.550.250.250.25-40
Money Market - $2.5k0.503.010.010.872.370.0536
Money Market - $10k0.623.010.011.083.250.0546
High Rate Money Market - $10k0.713.200.010.883.250.2517
High Rate Money Market - $25k1.373.550.012.223.250.2585
Money Market - $25k0.743.340.011.283.250.0554
Money Market - $50k0.883.340.011.463.250.0558
High Rate Money Market - $50k1.543.550.012.343.250.2580
High Rate Money Market - $100k1.913.550.012.603.251.5069
Money Market - $100k1.043.500.011.713.750.0566
Money Market - $250k1.253.500.011.823.960.0557
High Rate Money Market - $250k2.063.550.012.753.351.5569
Money Market - $500k1.323.450.011.863.250.0554
High Rate Money Market - $500k2.382.762.001.751.751.75-63
High Rate Money Market - $1 million2.382.762.001.951.951.95-43
Money Market - $1 million1.343.450.011.883.250.0554
High Rate Savings0.662.500.022.815.010.05214
Regular Savings0.242.000.010.244.080.010
New Auto - 24 Mo6.648.594.994.545.893.34-211
New Auto - 36 Mo7.0411.003.504.847.503.34-220
New Auto - 48 Mo7.0912.003.634.968.003.99-214
New Auto - 60 Mo7.2012.253.885.028.003.99-218
New Auto - 72 Mo7.2710.004.005.278.253.99-201
New Auto - 84 Mo7.128.595.395.657.743.99-147
Used Auto - 24 Mo6.678.594.994.776.093.84-189
Used Auto - 36 Mo7.4512.004.005.017.503.84-244
Used Auto - 48 Mo7.4812.004.135.148.003.99-234
Used Auto - 60 Mo7.4312.254.255.198.003.99-224
Used Auto - 72 Mo7.2111.384.995.488.253.99-173
Used Auto - 84 Mo7.128.595.395.947.743.99-119
Used Boat-60 Mo8.6710.016.997.3310.004.49-134
New Boat-60 Mo8.1812.503.887.1810.004.19-101
Rewards Credit Card16.7919.998.0014.4517.998.99-234
Credit Card Platinum15.4718.748.0012.6317.997.90-284
Credit Card Classic15.6128.246.9913.8627.747.90-175
Home Equity - LOC 80%7.579.604.996.608.594.99-97
Home Equity - 5 Yr 80%7.469.444.756.879.505.50-60
Home Equity - 10 Yr 80%7.619.684.756.929.505.49-69
Home Equity - 15 Yr 80%7.439.554.757.159.415.59-28
7 Yr ARM6.6798.2506.0006.9487.1255.59327
3 Yr ARM6.9178.5006.0006.5946.7975.700-32
5 Yr ARM7.0688.9506.0006.9067.8155.669-16
15 Yr Fixed6.3208.5404.0006.3946.7535.3757
20 Yr Fixed6.7867.0056.3436.6097.0585.758-18
30 Yr Fixed6.6817.5004.1256.7697.1246.0009
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo7.6410.935.257.0810.054.49-56
New Motorcycle-60 Mo7.6310.935.256.829.144.10-81
Used Motorhome-60 Mo8.6810.016.997.4312.004.49-125
New Motorhome-60 Mo8.2812.503.887.3112.004.19-98
Unsecured - 36 Mo11.4819.755.3810.6216.004.99-86
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* Represents the difference in the average rate between banks and credit unions.