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 - $10k0.993.540.011.463.750.0247
6 Mo CD - $10k1.523.680.012.733.750.70120
9 Mo CD - $10k1.193.700.013.294.751.29210
1 Yr CD - $10k1.593.920.012.953.760.75136
18 Mo CD - $10k1.164.100.012.783.550.75162
2 Yr CD - $10k1.283.850.012.733.691.00145
30 Mo CD - $10k0.823.350.012.893.871.00207
3 Yr CD - $10k0.983.500.012.743.651.00177
4 Yr CD - $10k1.013.500.012.773.701.00176
5 Yr CD - $10k0.983.750.012.813.751.00183
3 Mo CD - $100k0.743.540.011.523.750.0278
6 Mo CD - $100k1.553.750.012.783.751.00124
9 Mo CD - $100k1.243.780.013.384.751.39214
1 Yr CD - $100k1.613.920.012.993.751.05138
18 Mo CD - $100k1.275.050.012.813.550.75154
2 Yr CD - $100k1.353.850.012.783.601.00143
30 Mo CD - $100k0.913.350.012.973.871.00207
3 Yr CD - $100k0.993.500.012.813.651.00182
4 Yr CD - $100k0.973.500.012.823.701.00184
5 Yr CD - $100k1.003.750.012.853.751.00185
High Rate Checking0.050.100.013.857.000.07380
Basic Checking0.080.550.000.223.500.0114
HSA - $1k   0.080.100.05 
HSA - $10k   0.180.250.10 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.373.440.012.953.751.50158
IRA - 1 Year - $100k0.652.500.013.013.751.90236
IRA - Liquid - $10k0.203.000.010.664.080.0246
IRA - Liquid - $100k0.020.030.010.704.080.0568
High Rate Money Market - $2.5k0.451.250.050.200.200.20-25
Money Market - $2.5k0.492.290.010.462.000.02-4
Money Market - $10k0.602.750.010.612.000.030
High Rate Money Market - $10k0.661.750.040.651.500.20-1
High Rate Money Market - $25k0.841.900.060.741.800.20-10
Money Market - $25k0.793.340.010.722.500.05-7
Money Market - $50k0.833.340.010.842.500.060
High Rate Money Market - $50k0.851.900.100.781.800.20-7
High Rate Money Market - $100k0.931.960.201.342.750.5041
Money Market - $100k0.993.340.011.092.960.0710
Money Market - $250k1.073.340.011.173.050.0710
High Rate Money Market - $250k1.092.760.201.242.130.5014
Money Market - $500k1.023.400.051.133.050.0711
High Rate Money Market - $500k1.812.600.751.382.130.50-44
High Rate Money Market - $1 million1.882.601.002.043.250.5017
Money Market - $1 million1.033.400.051.223.250.0719
Youth/Student Savings   0.120.500.02 
High Rate Savings0.733.000.023.545.000.06281
Regular Savings0.091.000.010.144.080.014
New Auto - 24 Mo6.658.595.445.4913.253.99-116
New Auto - 36 Mo7.109.564.995.146.243.15-196
New Auto - 48 Mo7.129.564.995.166.243.15-196
New Auto - 60 Mo7.169.564.995.186.243.15-198
New Auto - 72 Mo7.269.564.995.306.493.15-196
New Auto - 84 Mo7.128.595.895.606.493.99-152
Used Auto - 24 Mo6.788.785.645.5610.593.99-122
Used Auto - 36 Mo7.249.564.995.306.253.99-194
Used Auto - 48 Mo7.289.564.995.336.253.99-195
Used Auto - 60 Mo7.349.564.995.366.553.99-198
Used Auto - 72 Mo7.319.564.995.506.733.99-181
Used Auto - 84 Mo7.078.785.896.0612.194.24-100
Used Boat-60 Mo8.3911.016.097.7811.503.65-60
New Boat-60 Mo8.6011.525.757.6411.504.49-96
Rewards Credit Card16.7320.4911.2513.1518.498.75-359
Credit Card Platinum16.1421.248.7511.8517.507.99-429
Credit Card Classic15.2020.498.7512.0816.007.99-312
Home Equity - LOC 80%7.929.745.996.948.755.50-98
Home Equity - 5 Yr 80%7.839.874.006.899.575.00-93
Home Equity - 10 Yr 80%8.029.864.757.099.575.65-93
Home Equity - 15 Yr 80%8.3110.085.507.169.575.55-114
7 Yr ARM6.6547.4406.1626.6006.8755.987-5
3 Yr ARM6.6297.8506.000 
5 Yr ARM7.0038.1536.1546.7728.1005.912-23
15 Yr Fixed6.1476.8805.0006.2327.6255.4248
20 Yr Fixed6.6636.9266.3376.5316.7315.791-13
30 Yr Fixed6.6707.3326.1316.7388.3755.9907
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-Jumbo7.0636.9836.9836.6356.5576.557-43
Used Motorcycle-60 Mo9.1210.757.497.8610.503.05-126
New Motorcycle-60 Mo9.1210.757.497.9811.844.49-114
Used Motorhome-60 Mo8.7011.016.347.6510.503.65-104
New Motorhome-60 Mo8.5511.525.757.5210.504.49-103
Unsecured - 36 Mo11.2113.966.7411.8314.508.4961
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* Represents the difference in the average rate between banks and credit unions.