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 - $10k2.164.020.012.515.330.2035
6 Mo CD - $10k2.724.250.012.884.050.4016
9 Mo CD - $10k2.604.150.013.569.001.8696
1 Yr CD - $10k2.784.200.012.964.100.5018
18 Mo CD - $10k2.564.000.012.965.330.5540
2 Yr CD - $10k2.493.980.012.854.000.6035
30 Mo CD - $10k2.363.900.013.053.931.0070
3 Yr CD - $10k2.354.170.012.803.900.6545
4 Yr CD - $10k2.363.930.012.944.201.0058
5 Yr CD - $10k2.373.930.012.854.280.3049
3 Mo CD - $100k2.244.250.012.575.330.2034
6 Mo CD - $100k2.784.250.013.034.130.4025
9 Mo CD - $100k2.784.150.013.609.001.8681
1 Yr CD - $100k2.854.200.013.034.180.5018
18 Mo CD - $100k2.635.050.013.025.330.5539
2 Yr CD - $100k2.544.220.012.944.280.6041
30 Mo CD - $100k2.373.900.013.104.181.0473
3 Yr CD - $100k2.424.310.012.904.180.6548
4 Yr CD - $100k2.404.000.013.024.181.1462
5 Yr CD - $100k2.384.000.012.974.490.3060
High Rate Checking2.307.000.014.616.003.00231
Basic Checking0.4011.000.010.463.000.016
IRA - 1 Year - $10k2.704.040.013.074.100.1037
IRA - 1 Year - $100k0.733.450.013.184.000.10245
IRA - Liquid - $10k1.593.980.010.834.080.05-76
IRA - Liquid - $100k1.223.980.030.884.080.05-33
High Rate Money Market - $2.5k0.530.550.500.250.250.25-28
Money Market - $2.5k0.913.800.010.682.520.05-23
Money Market - $10k0.993.800.010.762.720.10-22
High Rate Money Market - $10k0.390.650.010.460.740.257
High Rate Money Market - $25k0.560.900.010.500.740.25-6
Money Market - $25k1.133.800.010.942.810.10-19
Money Market - $50k1.243.800.011.152.960.10-9
High Rate Money Market - $50k0.611.050.010.600.890.25-1
High Rate Money Market - $100k1.501.960.010.991.500.50-52
Money Market - $100k1.423.800.011.353.000.10-8
Money Market - $250k1.604.890.011.493.000.10-11
High Rate Money Market - $250k1.712.760.011.262.000.50-45
Money Market - $500k1.273.450.011.613.000.5033
High Rate Money Market - $500k1.932.761.101.751.751.75-18
High Rate Money Market - $1 million1.932.761.101.951.951.952
Money Market - $1 million1.273.450.011.623.250.5035
High Rate Savings0.853.000.025.507.004.00465
Regular Savings0.603.000.010.284.080.01-32
New Auto - 24 Mo6.648.594.985.148.993.34-150
New Auto - 36 Mo7.1210.504.755.058.992.99-207
New Auto - 48 Mo7.1510.504.755.178.993.49-198
New Auto - 60 Mo7.1410.754.755.116.743.49-203
New Auto - 72 Mo7.119.504.755.336.993.49-177
New Auto - 84 Mo7.768.596.665.366.744.24-240
Used Auto - 24 Mo6.828.594.985.228.993.84-160
Used Auto - 36 Mo7.4010.504.955.198.993.49-220
Used Auto - 48 Mo7.4210.504.955.318.993.49-211
Used Auto - 60 Mo7.3810.004.955.236.993.49-215
Used Auto - 72 Mo7.139.754.985.416.993.49-173
Used Auto - 84 Mo7.758.596.665.416.744.24-234
Used Boat-60 Mo8.699.847.507.6410.194.49-105
New Boat-60 Mo8.1112.993.497.389.994.49-73
Rewards Credit Card16.8419.9912.9912.9317.741.00-391
Credit Card Platinum15.7318.9912.2511.6717.241.00-406
Credit Card Classic16.9724.9910.2413.9828.241.00-299
Home Equity - LOC 80%7.8510.005.756.828.751.00-104
Home Equity - 5 Yr 80%8.2010.615.506.557.991.00-164
Home Equity - 10 Yr 80%8.2610.616.496.878.241.00-139
Home Equity - 15 Yr 80%8.5710.617.507.018.751.00-156
7 Yr ARM6.3806.7505.7505.6086.7501.000-77
3 Yr ARM6.9677.8006.5004.9976.5001.000-197
5 Yr ARM7.0308.2304.5005.5386.6251.000-149
15 Yr Fixed6.2088.5405.2506.1657.0001.000-4
20 Yr Fixed6.6726.9266.1455.9287.0291.000-74
30 Yr Fixed6.6427.1305.8756.5637.3751.000-8
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 Mo6.707.665.747.6112.244.4991
New Motorcycle-60 Mo6.707.665.747.6612.244.4996
Used Motorhome-60 Mo8.699.847.507.6310.193.99-106
New Motorhome-60 Mo8.1712.993.497.269.991.00-91
Unsecured - 36 Mo11.0316.756.7511.0214.996.99-1
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* Represents the difference in the average rate between banks and credit unions.