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 - $10k0.963.440.011.483.680.0252
6 Mo CD - $10k1.513.750.012.603.750.70109
9 Mo CD - $10k1.023.600.013.234.751.29221
1 Yr CD - $10k1.633.600.012.793.760.75117
18 Mo CD - $10k1.204.750.012.683.620.75148
2 Yr CD - $10k1.283.650.012.623.691.00134
30 Mo CD - $10k0.893.350.012.913.871.00202
3 Yr CD - $10k0.973.000.012.673.461.00170
4 Yr CD - $10k1.033.000.012.703.401.00167
5 Yr CD - $10k1.013.000.012.743.701.00172
3 Mo CD - $100k0.773.440.011.553.920.0278
6 Mo CD - $100k1.543.750.012.663.751.00112
9 Mo CD - $100k1.073.780.013.324.751.39225
1 Yr CD - $100k1.653.600.012.833.751.05118
18 Mo CD - $100k1.235.050.012.713.620.75149
2 Yr CD - $100k1.353.750.012.673.601.00132
30 Mo CD - $100k0.923.350.012.953.871.00203
3 Yr CD - $100k0.993.000.012.743.461.00175
4 Yr CD - $100k1.053.000.012.753.441.00170
5 Yr CD - $100k1.033.000.012.793.501.00175
High Rate Checking0.050.100.013.587.001.00353
Basic Checking0.080.550.000.223.500.0114
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.463.250.012.813.941.50135
IRA - 1 Year - $100k1.273.000.012.843.751.90157
IRA - Liquid - $10k0.203.000.010.614.080.0241
IRA - Liquid - $100k0.020.030.010.654.080.0564
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.502.290.010.462.000.02-4
Money Market - $10k0.552.750.010.592.000.034
High Rate Money Market - $10k0.461.750.040.661.500.2020
High Rate Money Market - $25k0.501.750.050.741.800.2024
Money Market - $25k0.652.800.010.702.500.055
Money Market - $50k0.742.850.010.842.500.069
High Rate Money Market - $50k0.531.750.100.741.800.2021
High Rate Money Market - $100k0.881.750.201.342.750.5047
Money Market - $100k0.942.900.011.112.960.0717
Money Market - $250k1.073.000.011.203.350.0714
High Rate Money Market - $250k1.082.550.201.242.130.5016
Money Market - $500k0.852.600.051.193.350.0735
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 million0.862.600.051.293.350.0743
Youth/Student Savings   0.120.500.02 
High Rate Savings0.763.200.023.465.000.06270
Regular Savings0.101.000.010.144.080.014
New Auto - 24 Mo6.618.595.445.5213.253.99-109
New Auto - 36 Mo6.879.564.495.166.003.15-171
New Auto - 48 Mo6.919.564.495.186.003.15-173
New Auto - 60 Mo6.909.564.495.206.143.15-170
New Auto - 72 Mo6.979.564.495.336.503.15-165
New Auto - 84 Mo7.078.595.645.616.504.24-146
Used Auto - 24 Mo6.748.785.645.5810.593.99-115
Used Auto - 36 Mo6.969.564.495.336.253.99-162
Used Auto - 48 Mo7.059.564.495.376.293.99-168
Used Auto - 60 Mo7.069.564.495.396.553.99-167
Used Auto - 72 Mo7.109.564.495.527.193.99-158
Used Auto - 84 Mo7.028.785.646.0512.194.49-97
Used Boat-60 Mo8.3711.015.997.9511.504.49-41
New Boat-60 Mo8.4611.525.757.6511.504.49-80
Rewards Credit Card16.8320.498.7513.2318.498.75-360
Credit Card Platinum16.3921.248.7511.9517.507.99-444
Credit Card Classic15.1820.498.7512.0916.007.99-310
Home Equity - LOC 80%8.029.746.757.028.755.50-100
Home Equity - 5 Yr 80%7.839.874.006.799.265.00-103
Home Equity - 10 Yr 80%8.029.864.757.039.265.65-99
Home Equity - 15 Yr 80%8.3510.085.507.209.265.65-115
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 Mo9.1210.757.498.0010.504.49-112
New Motorcycle-60 Mo9.1210.757.497.8210.504.49-130
Used Motorhome-60 Mo8.6811.016.247.8410.504.49-84
New Motorhome-60 Mo8.5411.525.757.5710.504.49-98
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.