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 - $10k1.343.830.012.783.900.50144
6 Mo CD - $10k1.793.850.012.913.950.45112
9 Mo CD - $10k1.323.950.013.304.001.50197
1 Yr CD - $10k1.934.060.013.223.951.25129
18 Mo CD - $10k1.504.110.013.353.951.60185
2 Yr CD - $10k1.574.160.013.264.201.95168
30 Mo CD - $10k1.334.050.013.264.052.00193
3 Yr CD - $10k1.384.220.013.154.052.00177
4 Yr CD - $10k1.304.050.013.174.202.00187
5 Yr CD - $10k1.494.320.013.254.441.98176
3 Mo CD - $100k1.393.830.012.793.900.50141
6 Mo CD - $100k2.013.850.012.913.950.5091
9 Mo CD - $100k1.553.950.012.974.001.00142
1 Yr CD - $100k2.144.060.013.233.951.30109
18 Mo CD - $100k1.694.110.013.393.951.60170
2 Yr CD - $100k1.694.160.013.254.201.95156
30 Mo CD - $100k1.304.050.013.324.052.02202
3 Yr CD - $100k1.574.220.013.134.052.00156
4 Yr CD - $100k1.454.050.013.034.052.00158
5 Yr CD - $100k1.644.320.013.124.441.98148
High Rate Checking1.093.250.013.348.300.01225
Basic Checking0.211.100.010.494.000.0129
IRA - 1 Year - $10k1.714.000.013.183.951.30148
IRA - 1 Year - $100k1.543.510.013.203.951.30166
IRA - Liquid - $10k0.565.300.010.915.300.0135
IRA - Liquid - $100k0.522.010.010.622.400.0110
High Rate Money Market - $2.5k0.571.250.151.142.020.2557
Money Market - $2.5k0.603.060.010.913.000.0531
Money Market - $10k0.653.060.010.893.000.0524
High Rate Money Market - $10k0.481.250.031.443.000.2596
High Rate Money Market - $25k0.571.250.051.693.000.25112
Money Market - $25k0.843.340.011.113.000.1026
Money Market - $50k0.873.340.011.273.000.1040
High Rate Money Market - $50k0.591.250.101.823.000.25123
High Rate Money Market - $100k1.021.750.112.323.251.50130
Money Market - $100k1.103.340.011.483.250.1539
Money Market - $250k1.203.340.011.643.500.2044
High Rate Money Market - $250k1.342.550.112.643.501.55131
Money Market - $500k1.583.400.151.833.500.3025
High Rate Money Market - $500k2.402.652.001.892.021.75-52
High Rate Money Market - $1 million2.452.802.001.992.021.95-47
Money Market - $1 million1.703.400.152.033.900.3033
High Rate Savings1.625.000.020.942.000.05-68
Regular Savings0.363.410.010.182.000.01-18
New Auto - 24 Mo7.158.595.444.756.502.99-240
New Auto - 36 Mo6.569.004.994.726.502.99-183
New Auto - 48 Mo6.699.004.994.846.503.75-185
New Auto - 60 Mo6.629.004.994.936.503.99-169
New Auto - 72 Mo6.869.254.995.136.503.99-173
New Auto - 84 Mo7.308.595.245.667.253.99-164
Used Auto - 24 Mo7.228.785.584.876.242.99-234
Used Auto - 36 Mo6.699.255.244.816.242.99-188
Used Auto - 48 Mo6.749.255.244.946.243.75-180
Used Auto - 60 Mo6.679.255.245.036.243.99-164
Used Auto - 72 Mo7.029.505.245.206.243.99-182
Used Auto - 84 Mo7.438.785.585.697.253.99-174
Used Boat-60 Mo9.0311.015.597.8210.704.99-121
New Boat-60 Mo8.2711.525.597.6010.704.94-67
Rewards Credit Card18.1729.7411.8015.3418.0011.24-283
Credit Card Platinum15.9619.4910.7413.0517.248.45-291
Credit Card Classic17.1224.9911.7513.8017.999.49-332
Home Equity - LOC 80%7.538.884.996.768.004.99-76
Home Equity - 5 Yr 80%8.4310.616.897.048.255.75-139
Home Equity - 10 Yr 80%8.3010.616.997.148.256.25-116
Home Equity - 15 Yr 80%8.8810.617.357.4710.496.25-141
7 Yr ARM6.2916.5005.6255.8987.5513.406-39
3 Yr ARM5.4405.3755.3755.9336.0945.60049
5 Yr ARM5.9666.5075.5006.1696.9234.97920
15 Yr Fixed6.2968.5405.2505.9906.6615.143-31
20 Yr Fixed6.5536.8016.0036.3926.8264.800-16
30 Yr Fixed6.6587.2116.0006.3936.7565.569-26
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 Mo7.4310.195.597.4210.454.00-1
New Motorcycle-60 Mo7.3510.195.597.0210.454.00-33
Used Motorhome-60 Mo9.9212.057.507.6910.704.99-223
New Motorhome-60 Mo8.7511.525.907.4510.704.84-130
Unsecured - 36 Mo10.5913.996.7411.1914.486.4060
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* Represents the difference in the average rate between banks and credit unions.