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 - $10k1.363.900.012.813.900.50145
6 Mo CD - $10k1.813.990.012.943.950.45113
9 Mo CD - $10k1.464.090.013.354.001.50189
1 Yr CD - $10k1.984.060.013.243.951.25126
18 Mo CD - $10k1.484.160.013.464.051.60198
2 Yr CD - $10k1.654.220.013.324.251.95167
30 Mo CD - $10k1.354.050.013.264.052.00192
3 Yr CD - $10k1.404.320.013.244.202.00184
4 Yr CD - $10k1.334.250.013.274.252.00194
5 Yr CD - $10k1.534.470.013.374.351.98184
3 Mo CD - $100k1.423.900.012.833.900.50141
6 Mo CD - $100k2.033.990.012.943.950.5091
9 Mo CD - $100k1.704.090.013.074.001.00137
1 Yr CD - $100k2.224.060.013.263.951.30104
18 Mo CD - $100k1.734.160.013.504.051.60176
2 Yr CD - $100k1.794.220.013.324.251.95153
30 Mo CD - $100k1.314.050.013.324.052.02201
3 Yr CD - $100k1.604.320.013.244.202.00163
4 Yr CD - $100k1.494.250.013.154.252.00166
5 Yr CD - $100k1.704.470.013.264.351.98157
High Rate Checking1.093.250.013.348.300.01225
Basic Checking0.191.100.010.494.000.0130
IRA - 1 Year - $10k1.814.000.013.213.951.30140
IRA - 1 Year - $100k1.543.510.013.243.951.30169
IRA - Liquid - $10k0.575.300.010.915.300.0134
IRA - Liquid - $100k0.522.010.010.622.400.0110
High Rate Money Market - $2.5k0.621.250.051.142.020.2552
Money Market - $2.5k0.613.060.010.913.000.0531
Money Market - $10k0.663.060.010.893.000.0523
High Rate Money Market - $10k0.601.250.051.443.000.2584
High Rate Money Market - $25k0.681.250.051.693.000.25101
Money Market - $25k0.863.340.011.113.000.1025
Money Market - $50k0.883.340.011.273.000.1038
High Rate Money Market - $50k0.711.250.101.823.000.25111
High Rate Money Market - $100k1.151.960.202.323.251.50117
Money Market - $100k1.113.340.011.483.250.1537
Money Market - $250k1.243.450.011.643.500.2040
High Rate Money Market - $250k1.482.760.202.643.501.55116
Money Market - $500k1.573.400.151.833.500.3026
High Rate Money Market - $500k1.842.760.751.892.021.755
High Rate Money Market - $1 million1.922.761.001.992.021.956
Money Market - $1 million1.693.400.152.033.900.3034
High Rate Savings1.385.000.020.942.000.05-44
Regular Savings0.333.600.010.182.000.01-15
New Auto - 24 Mo7.218.595.444.726.502.99-249
New Auto - 36 Mo6.599.004.994.746.502.99-185
New Auto - 48 Mo6.729.004.994.866.503.70-186
New Auto - 60 Mo6.599.004.994.956.503.95-164
New Auto - 72 Mo6.879.255.095.146.503.99-173
New Auto - 84 Mo7.378.595.395.687.253.99-168
Used Auto - 24 Mo7.278.785.584.826.002.99-246
Used Auto - 36 Mo6.729.255.244.816.002.99-191
Used Auto - 48 Mo6.779.255.244.946.003.70-183
Used Auto - 60 Mo6.649.254.995.036.003.95-161
Used Auto - 72 Mo7.049.505.245.216.003.99-183
Used Auto - 84 Mo7.518.785.585.737.253.99-177
Used Boat-60 Mo9.1311.015.597.7010.704.99-143
New Boat-60 Mo8.2811.525.597.6010.704.94-68
Rewards Credit Card17.9629.7411.8015.3218.0011.24-264
Credit Card Platinum15.8719.4910.7413.0517.248.45-282
Credit Card Classic18.2727.4911.7513.8017.999.49-447
Home Equity - LOC 80%7.599.634.996.938.005.50-65
Home Equity - 5 Yr 80%8.4310.616.897.108.255.75-133
Home Equity - 10 Yr 80%8.3010.616.997.148.256.40-115
Home Equity - 15 Yr 80%8.6510.617.357.4610.496.30-120
7 Yr ARM6.5616.7526.1626.3267.5515.106-23
3 Yr ARM5.4485.3755.3755.9906.2485.60054
5 Yr ARM6.6578.1535.5006.2956.9234.979-36
15 Yr Fixed6.3818.5405.3756.0976.5435.143-28
20 Yr Fixed6.6266.9266.1296.4426.8264.800-18
30 Yr Fixed6.7437.2115.8756.5026.8315.569-24
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 Mo7.6110.935.597.3110.204.00-31
New Motorcycle-60 Mo7.5410.935.597.0310.454.00-51
Used Motorhome-60 Mo9.9612.297.507.5710.704.99-239
New Motorhome-60 Mo8.7611.525.907.4510.704.84-131
Unsecured - 36 Mo10.4813.996.7411.2114.606.4073
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* Represents the difference in the average rate between banks and credit unions.