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 - $10k1.213.900.012.113.750.0590
6 Mo CD - $10k1.904.350.012.874.000.1597
9 Mo CD - $10k1.804.000.013.414.000.80161
1 Yr CD - $10k2.205.000.013.174.150.2597
18 Mo CD - $10k1.914.150.013.104.750.50119
2 Yr CD - $10k1.984.250.012.894.100.3091
30 Mo CD - $10k1.673.800.012.713.550.30104
3 Yr CD - $10k1.944.020.012.854.100.3091
4 Yr CD - $10k1.904.020.012.874.200.3097
5 Yr CD - $10k1.904.020.012.933.930.50103
3 Mo CD - $100k1.263.900.012.244.200.0598
6 Mo CD - $100k1.944.350.012.914.000.1597
9 Mo CD - $100k1.854.000.013.444.100.80158
1 Yr CD - $100k2.255.000.013.324.390.25107
18 Mo CD - $100k1.924.150.013.134.750.50120
2 Yr CD - $100k2.014.250.013.044.440.30103
30 Mo CD - $100k1.673.800.012.703.650.30103
3 Yr CD - $100k1.954.020.013.004.440.30105
4 Yr CD - $100k1.904.020.012.883.930.3098
5 Yr CD - $100k1.914.020.012.973.930.50106
High Rate Checking0.100.250.012.795.750.03269
Basic Checking0.181.240.000.143.000.01-3
IRA - 1 Year - $10k1.994.000.013.184.100.25119
IRA - 1 Year - $100k1.383.700.013.524.391.61214
IRA - Liquid - $10k0.393.500.010.604.080.0121
IRA - Liquid - $100k0.692.000.010.734.080.014
High Rate Money Market - $2.5k   0.651.050.25 
Money Market - $2.5k0.513.060.010.673.150.0516
Money Market - $10k0.613.060.010.833.150.0522
High Rate Money Market - $10k1.172.450.100.741.300.25-43
High Rate Money Market - $25k1.162.450.051.763.500.2560
Money Market - $25k0.713.400.011.043.150.0532
Money Market - $50k0.823.400.011.225.000.0539
High Rate Money Market - $50k1.232.450.051.803.500.2558
High Rate Money Market - $100k1.462.500.072.193.501.0572
Money Market - $100k1.023.400.011.505.000.0547
Money Market - $250k1.183.400.011.605.000.0541
High Rate Money Market - $250k1.653.000.072.373.501.0972
Money Market - $500k1.163.400.011.675.000.0551
High Rate Money Market - $500k   2.233.501.45 
High Rate Money Market - $1 million   2.303.501.45 
Money Market - $1 million1.173.400.011.705.000.0554
High Rate Savings1.443.820.022.546.170.10110
Regular Savings0.324.350.010.324.890.010
New Auto - 24 Mo5.626.114.944.7113.252.50-91
New Auto - 36 Mo6.9311.253.754.4813.252.50-245
New Auto - 48 Mo6.9611.253.754.5413.252.50-242
New Auto - 60 Mo7.0011.253.754.6213.252.50-239
New Auto - 72 Mo6.6010.503.754.836.743.40-177
New Auto - 84 Mo5.475.994.945.479.753.591
Used Auto - 24 Mo5.676.114.944.9810.592.70-69
Used Auto - 36 Mo7.2713.003.754.8010.592.70-247
Used Auto - 48 Mo7.2010.503.754.9310.592.70-227
Used Auto - 60 Mo7.1010.503.755.0110.592.70-210
Used Auto - 72 Mo6.7210.503.755.3011.493.59-142
Used Auto - 84 Mo5.475.994.945.7812.193.5931
Used Boat-60 Mo7.247.247.247.3611.244.4912
New Boat-60 Mo8.2211.505.756.9310.994.45-129
Rewards Credit Card16.5019.4911.2413.7919.497.90-271
Credit Card Platinum15.8318.499.5013.2618.246.75-258
Credit Card Classic16.6623.749.7415.3222.247.90-134
Home Equity - LOC 80%7.0810.005.496.777.755.75-31
Home Equity - 5 Yr 80%7.6510.055.996.7910.505.12-85
Home Equity - 10 Yr 80%8.109.926.007.0310.505.50-107
Home Equity - 15 Yr 80%7.558.816.007.1310.505.50-42
7 Yr ARM6.3017.2105.3166.1017.4535.250-20
3 Yr ARM6.3666.9606.0006.1786.3815.600-19
5 Yr ARM6.3818.1535.1256.0287.0435.125-35
15 Yr Fixed6.1386.7502.0006.0876.7505.375-5
20 Yr Fixed6.4246.8015.8416.3506.9005.750-7
30 Yr Fixed6.5577.1255.7506.5597.0005.9640
15 Yr Fixed-Jumbo6.3156.2026.2025.7205.9285.290-59
20 Yr Fixed-Jumbo6.7496.6576.6576.1776.2685.907-57
7 Yr ARM-Jumbo6.3886.3206.3206.4446.3756.3756
5 Yr ARM-Jumbo6.3936.3256.3256.4196.3516.3513
30 Yr Fixed-Jumbo6.9156.8446.8446.3966.5216.134-52
Used Motorcycle-60 Mo   7.2510.294.49 
New Motorcycle-60 Mo   7.039.294.49 
Used Motorhome-60 Mo7.247.247.247.3610.744.4912
New Motorhome-60 Mo8.1812.255.757.0712.004.45-111
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.8816.006.2510.2414.996.09-63
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* Represents the difference in the average rate between banks and credit unions.