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 - $10k2.124.500.012.475.330.2035
6 Mo CD - $10k2.664.150.012.894.050.4022
9 Mo CD - $10k2.563.930.013.539.001.8697
1 Yr CD - $10k2.704.050.012.974.100.5027
18 Mo CD - $10k2.524.000.012.955.330.5544
2 Yr CD - $10k2.423.930.012.834.000.6040
30 Mo CD - $10k2.293.900.013.043.901.0075
3 Yr CD - $10k2.293.930.012.793.900.6550
4 Yr CD - $10k2.313.930.012.924.201.0061
5 Yr CD - $10k2.303.930.012.844.140.3054
3 Mo CD - $100k2.204.500.012.635.330.2043
6 Mo CD - $100k2.734.250.013.024.130.4029
9 Mo CD - $100k2.754.020.013.579.001.8682
1 Yr CD - $100k2.774.070.013.074.180.5030
18 Mo CD - $100k2.585.050.013.015.330.5543
2 Yr CD - $100k2.474.170.012.914.280.6044
30 Mo CD - $100k2.313.900.013.094.181.0478
3 Yr CD - $100k2.374.170.012.884.180.6551
4 Yr CD - $100k2.363.960.013.004.181.1464
5 Yr CD - $100k2.354.000.012.964.340.3061
High Rate Checking1.363.500.014.616.003.00325
Basic Checking0.3811.000.010.463.000.017
IRA - 1 Year - $10k2.614.050.013.054.100.1044
IRA - 1 Year - $100k1.063.450.013.174.000.10211
IRA - Liquid - $10k1.553.980.010.824.080.05-73
IRA - Liquid - $100k1.223.980.030.874.080.05-35
High Rate Money Market - $2.5k0.400.500.300.250.250.25-15
Money Market - $2.5k0.903.800.010.682.520.05-22
Money Market - $10k0.953.800.010.732.720.10-22
High Rate Money Market - $10k0.330.600.010.470.740.2513
High Rate Money Market - $25k0.510.700.010.520.740.251
Money Market - $25k1.093.800.010.922.810.10-17
Money Market - $50k1.213.800.011.132.960.10-7
High Rate Money Market - $50k0.551.050.010.640.890.259
High Rate Money Market - $100k1.481.750.010.991.500.50-50
Money Market - $100k1.373.800.011.323.150.10-5
Money Market - $250k1.564.890.011.533.150.10-3
High Rate Money Market - $250k1.672.550.011.412.000.50-26
Money Market - $500k1.403.450.011.653.000.7525
High Rate Money Market - $500k1.832.551.101.751.751.75-8
High Rate Money Market - $1 million1.832.551.101.951.951.9513
Money Market - $1 million1.423.450.011.663.250.7524
High Rate Savings0.853.000.022.134.000.25127
Regular Savings0.593.000.010.537.000.01-6
New Auto - 24 Mo6.648.594.985.138.993.34-151
New Auto - 36 Mo7.1610.504.755.038.992.99-212
New Auto - 48 Mo7.1910.504.755.158.993.49-203
New Auto - 60 Mo7.2010.754.755.096.743.49-211
New Auto - 72 Mo7.1610.494.755.326.993.49-184
New Auto - 84 Mo7.768.596.665.346.744.24-242
Used Auto - 24 Mo6.828.594.985.238.993.84-160
Used Auto - 36 Mo7.4712.494.955.198.993.49-228
Used Auto - 48 Mo7.4912.494.955.318.993.49-219
Used Auto - 60 Mo7.4812.494.955.236.993.49-225
Used Auto - 72 Mo7.099.754.985.406.993.49-169
Used Auto - 84 Mo7.758.596.665.426.744.24-233
Used Boat-60 Mo8.699.847.507.7210.194.49-97
New Boat-60 Mo8.1812.993.497.459.994.49-74
Rewards Credit Card16.8119.9912.9913.1317.741.00-368
Credit Card Platinum15.6918.9912.2511.8817.241.00-381
Credit Card Classic16.9724.9910.2413.8428.241.00-313
Home Equity - LOC 80%7.8610.005.756.939.501.00-92
Home Equity - 5 Yr 80%8.2110.615.506.577.991.00-164
Home Equity - 10 Yr 80%8.2310.616.496.888.241.00-134
Home Equity - 15 Yr 80%8.6110.617.507.038.751.00-158
7 Yr ARM6.2596.6505.7505.3656.4681.000-89
3 Yr ARM6.1306.7505.1254.7966.0941.000-133
5 Yr ARM6.6347.7004.5005.3876.5481.000-125
15 Yr Fixed6.1458.5405.1256.0357.0001.000-11
20 Yr Fixed6.5776.8016.1455.9187.0141.000-66
30 Yr Fixed6.5737.0005.7506.4667.3751.000-11
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 Mo6.837.665.997.6612.244.4984
New Motorcycle-60 Mo6.837.665.997.7012.244.4988
Used Motorhome-60 Mo8.699.847.507.7210.193.99-97
New Motorhome-60 Mo8.2812.993.497.339.991.00-95
Unsecured - 36 Mo10.9516.756.7511.0214.996.997
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* Represents the difference in the average rate between banks and credit unions.