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 - $10k2.104.500.012.475.330.2038
6 Mo CD - $10k2.674.150.012.969.000.4029
9 Mo CD - $10k2.594.100.013.205.331.8661
1 Yr CD - $10k2.694.050.012.944.000.5025
18 Mo CD - $10k2.524.000.012.825.330.5530
2 Yr CD - $10k2.423.930.012.773.800.6035
30 Mo CD - $10k2.293.900.012.903.751.0061
3 Yr CD - $10k2.283.930.012.713.830.6543
4 Yr CD - $10k2.303.930.012.834.201.0054
5 Yr CD - $10k2.293.930.012.764.140.3047
3 Mo CD - $100k2.194.500.012.635.330.2044
6 Mo CD - $100k2.744.250.013.109.000.4036
9 Mo CD - $100k2.744.100.013.245.331.8649
1 Yr CD - $100k2.774.050.013.054.070.5028
18 Mo CD - $100k2.575.050.012.925.330.5535
2 Yr CD - $100k2.473.930.012.864.070.6039
30 Mo CD - $100k2.303.900.012.944.021.0464
3 Yr CD - $100k2.363.930.012.804.020.6544
4 Yr CD - $100k2.333.930.012.914.021.1458
5 Yr CD - $100k2.353.930.012.874.340.3052
High Rate Checking1.866.000.014.616.003.00275
Basic Checking0.3811.000.010.463.000.018
IRA - 1 Year - $10k2.614.050.013.054.000.1044
IRA - 1 Year - $100k1.553.450.013.174.000.10162
IRA - Liquid - $10k1.613.980.010.834.080.05-79
IRA - Liquid - $100k1.383.980.030.884.080.05-49
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.903.820.010.692.520.05-21
Money Market - $10k0.963.820.010.742.720.10-22
High Rate Money Market - $10k0.500.800.010.470.740.25-3
High Rate Money Market - $25k0.721.000.010.520.740.25-20
Money Market - $25k1.083.820.010.932.810.10-15
Money Market - $50k1.223.820.011.122.960.10-10
High Rate Money Market - $50k0.761.050.010.640.890.25-12
High Rate Money Market - $100k1.712.500.010.991.500.50-72
Money Market - $100k1.393.820.011.313.250.10-8
Money Market - $250k1.564.890.011.513.250.10-5
High Rate Money Market - $250k1.992.550.011.412.000.50-58
Money Market - $500k1.153.450.011.623.000.7547
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 million1.183.450.011.633.250.7546
High Rate Savings1.023.000.022.764.001.51174
Regular Savings0.593.000.010.294.080.01-31
New Auto - 24 Mo6.878.595.445.178.993.34-170
New Auto - 36 Mo7.1610.504.745.158.992.99-202
New Auto - 48 Mo7.1910.504.745.278.993.49-193
New Auto - 60 Mo7.1910.754.745.228.203.49-197
New Auto - 72 Mo7.1510.494.745.448.403.49-171
New Auto - 84 Mo7.768.596.665.406.744.24-236
Used Auto - 24 Mo7.058.595.645.288.993.84-177
Used Auto - 36 Mo7.4712.494.995.318.993.49-216
Used Auto - 48 Mo7.5112.494.995.428.993.49-208
Used Auto - 60 Mo7.4912.494.995.358.203.49-214
Used Auto - 72 Mo7.1210.505.005.538.403.49-159
Used Auto - 84 Mo7.758.596.665.456.744.24-231
Used Boat-60 Mo8.699.847.507.8010.194.49-89
New Boat-60 Mo8.2212.993.497.579.994.49-65
Rewards Credit Card16.8523.7412.9913.1317.741.00-372
Credit Card Platinum15.7818.9912.2511.9917.241.00-379
Credit Card Classic16.9724.9910.2413.8428.241.00-313
Home Equity - LOC 80%7.8510.005.756.849.501.00-101
Home Equity - 5 Yr 80%8.2110.615.506.497.991.00-172
Home Equity - 10 Yr 80%8.2210.616.496.818.241.00-141
Home Equity - 15 Yr 80%8.6110.617.506.938.751.00-168
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 Mo6.837.665.997.6912.244.4986
New Motorcycle-60 Mo6.837.665.997.5812.244.4975
Used Motorhome-60 Mo8.699.847.507.7810.193.99-91
New Motorhome-60 Mo8.2712.993.497.449.991.00-83
Unsecured - 36 Mo11.2316.756.7511.0314.996.99-20
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* Represents the difference in the average rate between banks and credit unions.