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 - $10k1.263.900.012.093.750.0583
6 Mo CD - $10k1.964.350.012.884.090.1592
9 Mo CD - $10k1.814.090.013.444.000.80162
1 Yr CD - $10k2.255.000.013.214.250.2595
18 Mo CD - $10k1.954.250.013.244.750.50129
2 Yr CD - $10k2.034.250.012.954.200.3093
30 Mo CD - $10k1.693.800.012.824.050.30113
3 Yr CD - $10k1.974.300.012.944.200.3097
4 Yr CD - $10k1.914.050.012.974.200.30106
5 Yr CD - $10k1.904.350.013.014.200.50110
3 Mo CD - $100k1.273.900.012.224.200.0595
6 Mo CD - $100k1.974.350.012.924.090.1594
9 Mo CD - $100k1.874.090.013.464.100.80159
1 Yr CD - $100k2.305.000.013.364.490.25107
18 Mo CD - $100k1.954.250.013.274.750.50132
2 Yr CD - $100k2.044.250.013.114.490.30107
30 Mo CD - $100k1.693.800.012.834.150.30114
3 Yr CD - $100k1.974.300.013.094.490.30113
4 Yr CD - $100k1.914.200.012.994.200.30108
5 Yr CD - $100k1.924.350.013.064.210.50114
High Rate Checking0.100.250.012.795.750.03269
Basic Checking0.181.240.000.143.000.01-3
IRA - 1 Year - $10k2.124.100.013.234.100.25110
IRA - 1 Year - $100k1.154.100.013.564.491.61240
IRA - Liquid - $10k0.383.500.010.594.080.0121
IRA - Liquid - $100k0.692.000.010.704.080.012
High Rate Money Market - $2.5k   0.451.050.05 
Money Market - $2.5k0.493.060.010.663.150.0517
Money Market - $10k0.643.060.010.843.150.0520
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 - $25k0.753.400.011.013.150.0525
Money Market - $50k0.863.400.011.173.150.0531
High Rate Money Market - $50k1.232.450.051.803.500.2558
High Rate Money Market - $100k1.462.500.072.193.501.0572
Money Market - $100k1.023.400.011.443.210.0541
Money Market - $250k1.193.400.011.563.450.0536
High Rate Money Market - $250k1.653.000.072.373.501.0972
Money Market - $500k1.163.400.011.603.500.0545
High Rate Money Market - $500k   2.233.501.45 
High Rate Money Market - $1 million   2.383.501.45 
Money Market - $1 million1.173.400.011.653.500.0549
High Rate Savings1.243.820.022.856.170.10162
Regular Savings0.334.350.010.324.890.010
New Auto - 24 Mo5.656.214.944.6413.253.25-100
New Auto - 36 Mo6.9311.254.104.4813.253.25-245
New Auto - 48 Mo6.9811.254.104.5313.253.25-245
New Auto - 60 Mo7.0211.254.104.6113.253.25-242
New Auto - 72 Mo6.6810.504.104.846.743.59-184
New Auto - 84 Mo5.475.994.945.306.993.59-16
Used Auto - 24 Mo5.706.214.944.9210.593.45-78
Used Auto - 36 Mo7.2913.004.004.7910.593.45-250
Used Auto - 48 Mo7.2310.504.004.9410.593.45-229
Used Auto - 60 Mo7.1310.504.355.0010.593.45-213
Used Auto - 72 Mo6.9410.504.355.3111.493.59-163
Used Auto - 84 Mo5.475.994.945.7812.193.5931
Used Boat-60 Mo7.247.247.247.2211.243.65-2
New Boat-60 Mo8.2111.505.756.8010.993.65-141
Rewards Credit Card16.4919.4911.2413.8119.497.90-268
Credit Card Platinum15.8318.499.5013.2818.246.75-255
Credit Card Classic16.5123.749.7415.9128.497.90-60
Home Equity - LOC 80%7.0410.005.496.777.755.75-27
Home Equity - 5 Yr 80%7.5410.055.996.8610.505.12-68
Home Equity - 10 Yr 80%7.979.926.007.0910.505.50-87
Home Equity - 15 Yr 80%7.488.816.007.2010.505.50-28
7 Yr ARM6.2666.7525.3166.1907.4535.250-8
3 Yr ARM6.1536.1166.0006.2396.5055.6009
5 Yr ARM6.3718.1535.1256.0977.0435.125-27
15 Yr Fixed6.1536.7502.0006.2326.8505.3968
20 Yr Fixed6.5226.9265.8416.4307.0005.750-9
30 Yr Fixed6.6167.1255.7506.7047.0395.9649
15 Yr Fixed-Jumbo6.4786.3506.3505.8426.1445.290-64
20 Yr Fixed-Jumbo7.0316.9276.9276.3126.5155.907-72
7 Yr ARM-Jumbo6.4866.4096.4096.3816.3046.304-11
5 Yr ARM-Jumbo6.4866.4096.4096.4556.3786.378-3
30 Yr Fixed-Jumbo7.0636.9836.9836.5266.7626.134-54
Used Motorcycle-60 Mo   7.0710.293.05 
New Motorcycle-60 Mo   7.1511.844.49 
Used Motorhome-60 Mo7.247.247.247.2210.743.65-2
New Motorhome-60 Mo8.1812.255.756.9212.003.65-125
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.9616.006.2510.1014.995.49-86
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* Represents the difference in the average rate between banks and credit unions.