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 - $10k1.363.830.012.773.900.50141
6 Mo CD - $10k1.793.830.012.883.950.45109
9 Mo CD - $10k1.193.800.013.304.001.50211
1 Yr CD - $10k1.913.960.013.213.951.25130
18 Mo CD - $10k1.493.960.013.353.951.60186
2 Yr CD - $10k1.474.060.013.274.201.95180
30 Mo CD - $10k1.173.410.013.234.052.00205
3 Yr CD - $10k1.284.060.013.154.052.00187
4 Yr CD - $10k1.183.360.013.174.202.00199
5 Yr CD - $10k1.384.110.013.184.101.98180
3 Mo CD - $100k1.413.830.012.783.900.50137
6 Mo CD - $100k1.993.830.012.873.950.5088
9 Mo CD - $100k1.473.800.012.974.001.00150
1 Yr CD - $100k2.133.960.013.223.951.30109
18 Mo CD - $100k1.683.960.013.393.951.60171
2 Yr CD - $100k1.604.060.013.264.201.95167
30 Mo CD - $100k1.133.410.013.264.052.02213
3 Yr CD - $100k1.484.060.013.134.052.00165
4 Yr CD - $100k1.343.360.013.034.052.00169
5 Yr CD - $100k1.534.110.013.084.101.98155
High Rate Checking1.093.250.013.708.300.01261
Basic Checking0.201.100.010.101.000.01-11
IRA - 1 Year - $10k1.613.900.013.193.951.30159
IRA - 1 Year - $100k2.043.510.013.213.951.30118
IRA - Liquid - $10k0.242.000.010.915.300.0167
IRA - Liquid - $100k0.522.010.010.622.400.0110
High Rate Money Market - $2.5k0.571.250.151.142.020.2557
Money Market - $2.5k0.603.060.010.933.150.0533
Money Market - $10k0.663.060.010.903.150.0525
High Rate Money Market - $10k0.481.250.031.483.150.25100
High Rate Money Market - $25k0.571.250.051.733.150.25116
Money Market - $25k0.773.300.011.123.150.1035
Money Market - $50k0.783.300.011.283.150.1050
High Rate Money Market - $50k0.591.250.101.863.150.25127
High Rate Money Market - $100k1.021.750.112.363.401.50134
Money Market - $100k1.023.300.011.503.400.1547
Money Market - $250k1.113.300.011.663.650.2055
High Rate Money Market - $250k1.342.550.112.683.651.55135
Money Market - $500k1.342.680.151.843.650.3051
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 million1.462.680.152.043.900.3058
High Rate Savings1.625.000.022.436.000.3080
Regular Savings0.363.410.010.182.000.01-18
New Auto - 24 Mo7.158.595.444.786.503.50-238
New Auto - 36 Mo6.659.004.994.776.503.50-188
New Auto - 48 Mo6.799.004.994.866.503.75-193
New Auto - 60 Mo6.639.004.754.956.503.99-168
New Auto - 72 Mo6.979.254.995.156.503.99-182
New Auto - 84 Mo7.308.595.245.687.253.99-162
Used Auto - 24 Mo7.228.785.584.906.243.50-232
Used Auto - 36 Mo6.799.255.344.856.243.50-194
Used Auto - 48 Mo6.859.255.344.966.243.75-189
Used Auto - 60 Mo6.689.254.755.056.243.99-163
Used Auto - 72 Mo7.189.505.445.226.243.99-195
Used Auto - 84 Mo7.438.785.585.717.253.99-172
Used Boat-60 Mo9.0311.015.597.7610.754.99-127
New Boat-60 Mo8.3111.525.597.7413.684.94-57
Rewards Credit Card18.6129.9011.8015.3418.0011.24-328
Credit Card Platinum16.2219.4910.7413.0517.248.45-317
Credit Card Classic17.4224.9911.7513.4417.999.49-399
Home Equity - LOC 80%7.509.004.996.858.005.50-65
Home Equity - 5 Yr 80%8.8110.617.497.068.255.50-175
Home Equity - 10 Yr 80%8.5610.617.357.158.256.25-141
Home Equity - 15 Yr 80%8.5610.617.357.328.256.25-124
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 Mo7.4310.195.597.3510.754.00-8
New Motorcycle-60 Mo7.3510.195.596.9910.454.00-36
Used Motorhome-60 Mo9.9212.057.507.5710.754.99-235
New Motorhome-60 Mo8.8711.525.907.6213.684.84-125
Unsecured - 36 Mo10.4213.996.7411.1714.486.4075
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* Represents the difference in the average rate between banks and credit unions.