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 - $10k0.983.540.011.463.500.0248
6 Mo CD - $10k1.513.750.012.633.700.70111
9 Mo CD - $10k1.093.700.013.294.751.29219
1 Yr CD - $10k1.563.800.012.843.760.75127
18 Mo CD - $10k1.174.750.012.743.500.75157
2 Yr CD - $10k1.233.800.012.683.691.00145
30 Mo CD - $10k0.773.350.012.913.871.00214
3 Yr CD - $10k0.973.500.012.713.551.00174
4 Yr CD - $10k0.963.500.012.743.401.00178
5 Yr CD - $10k0.983.750.012.783.701.00180
3 Mo CD - $100k0.803.540.011.533.500.0273
6 Mo CD - $100k1.563.850.012.693.701.00113
9 Mo CD - $100k1.133.700.013.374.751.39225
1 Yr CD - $100k1.663.800.012.883.751.05121
18 Mo CD - $100k1.195.050.012.773.550.75158
2 Yr CD - $100k1.303.800.012.733.551.00143
30 Mo CD - $100k0.803.350.012.953.871.00215
3 Yr CD - $100k0.993.500.012.783.551.00179
4 Yr CD - $100k0.973.500.012.793.441.00182
5 Yr CD - $100k1.003.750.012.833.501.00183
High Rate Checking0.050.100.013.787.001.00373
Basic Checking0.070.550.000.223.500.0115
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.313.250.012.853.941.50154
IRA - 1 Year - $100k0.602.000.012.943.751.90234
IRA - Liquid - $10k0.203.000.010.664.080.0246
IRA - Liquid - $100k0.020.030.010.704.080.0569
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.502.290.010.462.000.02-3
Money Market - $10k0.592.750.010.612.000.032
High Rate Money Market - $10k0.631.750.040.661.500.203
High Rate Money Market - $25k0.671.750.060.741.800.206
Money Market - $25k0.793.340.010.732.500.05-6
Money Market - $50k0.823.340.010.842.500.062
High Rate Money Market - $50k0.701.750.100.741.800.204
High Rate Money Market - $100k0.781.750.201.342.750.5057
Money Market - $100k0.973.340.011.092.960.0712
Money Market - $250k1.073.340.011.183.350.0710
High Rate Money Market - $250k0.912.550.201.242.130.5032
Money Market - $500k1.213.400.051.143.350.07-8
High Rate Money Market - $500k1.802.650.751.382.130.50-42
High Rate Money Market - $1 million1.932.801.002.043.250.5011
Money Market - $1 million1.233.400.051.233.350.070
Youth/Student Savings   0.120.500.02 
High Rate Savings0.723.000.023.545.000.06281
Regular Savings0.091.000.010.144.080.015
New Auto - 24 Mo6.708.595.445.5013.253.99-121
New Auto - 36 Mo6.909.564.495.146.003.15-176
New Auto - 48 Mo6.949.564.495.176.003.15-177
New Auto - 60 Mo6.949.564.495.206.143.15-174
New Auto - 72 Mo6.959.564.495.326.393.15-163
New Auto - 84 Mo7.078.595.645.616.494.24-146
Used Auto - 24 Mo6.748.785.645.5610.593.99-118
Used Auto - 36 Mo6.959.564.495.316.253.99-164
Used Auto - 48 Mo7.059.564.495.346.253.99-171
Used Auto - 60 Mo7.049.564.495.376.553.99-167
Used Auto - 72 Mo7.109.564.495.516.733.99-159
Used Auto - 84 Mo7.028.785.646.0612.194.49-96
Used Boat-60 Mo8.3911.016.097.9011.504.49-49
New Boat-60 Mo8.4611.525.757.6511.504.49-82
Rewards Credit Card16.8720.498.7513.2218.498.75-365
Credit Card Platinum16.3921.248.7511.9317.507.99-446
Credit Card Classic15.1820.498.7512.0916.007.99-310
Home Equity - LOC 80%7.999.746.756.978.755.50-101
Home Equity - 5 Yr 80%7.839.874.006.879.345.00-95
Home Equity - 10 Yr 80%8.029.864.757.079.345.65-95
Home Equity - 15 Yr 80%8.3510.085.507.179.345.55-118
7 Yr ARM6.4287.4405.6256.5786.8755.98715
3 Yr ARM6.6337.3406.176 
5 Yr ARM6.3367.4465.5006.7077.6005.91237
15 Yr Fixed6.0176.8805.0006.0646.3755.2405
20 Yr Fixed6.5916.8016.3376.4486.7295.791-14
30 Yr Fixed6.5717.2505.8756.5537.0005.740-2
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-Jumbo6.9156.8446.8446.6266.5576.557-29
Used Motorcycle-60 Mo9.1210.757.497.9910.504.49-113
New Motorcycle-60 Mo9.1210.757.497.8110.504.49-131
Used Motorhome-60 Mo8.7011.016.347.7410.504.49-96
New Motorhome-60 Mo8.5511.525.757.5210.504.49-103
Unsecured - 36 Mo11.0713.966.7411.9514.508.4988
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* Represents the difference in the average rate between banks and credit unions.