RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 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 - $10k1.224.050.012.104.100.0587
6 Mo CD - $10k1.864.350.012.834.050.1597
9 Mo CD - $10k1.664.000.013.173.840.80151
1 Yr CD - $10k2.165.000.013.124.150.2596
18 Mo CD - $10k1.864.150.013.064.750.50121
2 Yr CD - $10k1.934.020.012.863.750.3093
30 Mo CD - $10k1.633.800.012.713.550.30108
3 Yr CD - $10k1.904.020.012.833.850.3094
4 Yr CD - $10k1.884.020.012.854.200.3097
5 Yr CD - $10k1.874.020.012.903.750.50103
3 Mo CD - $100k1.274.050.012.234.200.0596
6 Mo CD - $100k1.904.350.012.864.050.1596
9 Mo CD - $100k1.714.000.013.193.850.80148
1 Yr CD - $100k2.225.000.013.264.150.25104
18 Mo CD - $100k1.874.150.013.094.750.50122
2 Yr CD - $100k1.964.020.012.983.890.30102
30 Mo CD - $100k1.633.800.012.703.650.30107
3 Yr CD - $100k1.914.020.012.943.940.30103
4 Yr CD - $100k1.864.020.012.863.750.30101
5 Yr CD - $100k1.884.020.012.943.810.50106
High Rate Checking0.100.250.012.795.750.03269
Basic Checking0.182.000.000.143.000.01-4
IRA - 1 Year - $10k1.924.000.013.144.000.25122
IRA - 1 Year - $100k1.803.700.013.464.001.61166
IRA - Liquid - $10k0.373.500.010.604.080.0123
IRA - Liquid - $100k0.692.000.010.734.080.014
High Rate Money Market - $2.5k   0.651.050.25 
Money Market - $2.5k0.534.000.010.683.150.0515
Money Market - $10k0.624.000.010.833.150.0521
High Rate Money Market - $10k1.162.450.100.741.300.25-42
High Rate Money Market - $25k1.162.450.051.763.500.2560
Money Market - $25k0.724.000.011.053.150.0533
Money Market - $50k0.824.000.011.235.000.0541
High Rate Money Market - $50k1.232.450.051.803.500.2558
High Rate Money Market - $100k1.462.500.072.193.501.0572
Money Market - $100k1.024.000.011.505.000.0549
Money Market - $250k1.184.000.011.605.000.0542
High Rate Money Market - $250k1.653.000.072.373.501.0972
Money Market - $500k0.832.300.011.675.000.0583
High Rate Money Market - $500k   2.233.501.45 
High Rate Money Market - $1 million   2.303.501.45 
Money Market - $1 million0.842.300.011.705.000.0586
High Rate Savings1.473.820.022.546.170.10107
Regular Savings0.324.350.010.324.890.010
New Auto - 24 Mo5.626.114.944.6913.252.50-93
New Auto - 36 Mo7.0312.003.754.4813.252.50-255
New Auto - 48 Mo7.0812.503.754.5313.252.50-255
New Auto - 60 Mo7.1013.253.754.6113.252.50-250
New Auto - 72 Mo6.6010.503.754.796.742.99-181
New Auto - 84 Mo5.475.994.945.489.753.592
Used Auto - 24 Mo5.676.114.944.9810.592.70-69
Used Auto - 36 Mo7.3313.003.754.8210.592.70-251
Used Auto - 48 Mo7.2510.503.754.9210.592.70-233
Used Auto - 60 Mo7.0810.503.755.0110.592.70-207
Used Auto - 72 Mo6.6510.503.755.2911.493.59-136
Used Auto - 84 Mo5.475.994.945.7612.193.5930
Used Boat-60 Mo6.496.496.497.2811.243.6979
New Boat-60 Mo8.3011.505.756.9810.993.69-132
Rewards Credit Card16.5019.4911.2413.6419.497.90-286
Credit Card Platinum15.8318.499.5013.2818.246.75-255
Credit Card Classic16.5123.749.7415.2922.247.90-122
Home Equity - LOC 80%7.1810.005.496.777.755.75-41
Home Equity - 5 Yr 80%7.6910.055.996.8110.505.12-88
Home Equity - 10 Yr 80%8.129.926.006.9810.505.50-114
Home Equity - 15 Yr 80%7.548.696.007.0610.505.50-47
7 Yr ARM6.3787.2205.3166.0737.4535.250-30
3 Yr ARM6.3706.9706.0006.1606.3825.600-21
5 Yr ARM6.3598.1535.1255.9897.0435.125-37
15 Yr Fixed6.1686.7502.0006.0226.7505.000-15
20 Yr Fixed6.4576.6675.9666.3776.6775.750-8
30 Yr Fixed6.5937.1255.7506.4577.0005.750-14
15 Yr Fixed-Jumbo6.3306.2156.2155.6685.8225.290-66
20 Yr Fixed-Jumbo6.6116.5196.5196.1166.1435.907-50
7 Yr ARM-Jumbo6.4016.3326.3326.4206.3516.3512
5 Yr ARM-Jumbo6.3266.2576.2576.4206.3516.3519
30 Yr Fixed-Jumbo7.0046.9326.9326.3346.3956.134-67
Used Motorcycle-60 Mo   7.1410.293.69 
New Motorcycle-60 Mo   6.859.293.69 
Used Motorhome-60 Mo6.496.496.497.2410.743.6975
New Motorhome-60 Mo8.2512.255.757.0712.003.69-118
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.8115.506.2510.2614.996.09-55
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* Represents the difference in the average rate between banks and credit unions.