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 - $10k1.793.830.012.025.330.0523
6 Mo CD - $10k1.683.950.012.454.050.0177
9 Mo CD - $10k2.404.000.012.729.000.0532
1 Yr CD - $10k1.824.000.012.694.250.0587
18 Mo CD - $10k1.704.020.012.875.330.10117
2 Yr CD - $10k2.074.160.012.734.070.1066
30 Mo CD - $10k0.883.810.012.483.940.45160
3 Yr CD - $10k1.513.960.012.734.070.15122
4 Yr CD - $10k1.504.010.012.874.200.20137
5 Yr CD - $10k1.444.060.012.994.170.25155
3 Mo CD - $100k1.853.830.012.165.330.0532
6 Mo CD - $100k1.673.950.012.474.150.0180
9 Mo CD - $100k2.404.000.012.759.000.0534
1 Yr CD - $100k1.824.000.012.744.250.0592
18 Mo CD - $100k1.714.020.012.915.330.10121
2 Yr CD - $100k2.084.160.012.784.070.1070
30 Mo CD - $100k0.983.810.012.593.940.45160
3 Yr CD - $100k1.523.960.012.784.070.15126
4 Yr CD - $100k1.514.010.012.914.120.20140
5 Yr CD - $100k1.424.060.013.044.340.25161
High Rate Checking0.030.040.013.035.500.05301
Basic Checking0.111.390.010.305.250.0119
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.743.920.012.734.250.0199
IRA - 1 Year - $100k2.284.250.013.024.050.0175
IRA - Liquid - $10k0.424.020.010.554.080.0113
IRA - Liquid - $100k1.313.900.010.704.080.01-61
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.433.250.010.793.500.0136
Money Market - $10k0.553.250.010.884.000.0133
High Rate Money Market - $10k0.823.500.030.601.250.25-22
High Rate Money Market - $25k1.073.640.031.553.150.2548
Money Market - $25k0.703.390.011.024.000.0132
Money Market - $50k0.773.390.011.114.000.0134
High Rate Money Market - $50k1.233.640.031.573.200.2534
High Rate Money Market - $100k1.293.640.032.173.251.5087
Money Market - $100k0.873.390.011.173.690.0130
Money Market - $250k0.933.390.011.253.690.0133
High Rate Money Market - $250k1.873.640.052.803.501.5593
Money Market - $500k1.184.000.031.072.750.01-11
High Rate Money Market - $500k0.100.100.102.884.001.75278
High Rate Money Market - $1 million0.100.100.102.984.001.95288
Money Market - $1 million1.264.000.031.082.750.01-18
High Rate Savings1.633.400.022.255.000.0562
Regular Savings0.253.400.010.284.890.012
New Auto - 24 Mo6.168.994.994.805.992.99-137
New Auto - 36 Mo6.648.994.994.896.192.99-175
New Auto - 48 Mo6.768.994.995.006.242.99-176
New Auto - 60 Mo6.878.994.995.106.503.50-177
New Auto - 72 Mo6.948.995.245.507.353.99-144
New Auto - 84 Mo7.328.995.645.817.254.49-151
Used Auto - 24 Mo6.608.995.645.136.993.84-147
Used Auto - 36 Mo7.079.254.995.216.993.84-186
Used Auto - 48 Mo7.128.994.995.336.993.99-179
Used Auto - 60 Mo6.838.994.995.436.993.99-140
Used Auto - 72 Mo6.548.245.245.757.803.99-79
Used Auto - 84 Mo7.328.995.646.108.134.49-122
Used Boat-60 Mo6.096.096.098.0614.494.49197
New Boat-60 Mo9.1712.496.247.4313.494.49-174
Rewards Credit Card17.5819.9913.4914.4117.997.40-317
Credit Card Platinum16.9729.7412.9012.9118.008.90-406
Credit Card Classic16.4020.995.9013.2927.748.00-311
Home Equity - LOC 80%7.199.265.996.587.500.25-61
Home Equity - 5 Yr 80%6.779.005.746.288.134.25-48
Home Equity - 10 Yr 80%7.039.256.136.608.384.75-44
Home Equity - 15 Yr 80%7.249.506.387.0410.004.75-20
7 Yr ARM6.2306.8755.5006.5117.6825.34228
3 Yr ARM5.7936.2615.0006.3117.7624.87552
5 Yr ARM5.9776.7504.9906.2547.7133.14228
15 Yr Fixed5.9837.2505.2006.1106.8755.12513
20 Yr Fixed6.3876.8015.8706.3686.7535.596-2
30 Yr Fixed6.5128.0005.7506.5937.1255.9178
15 Yr Fixed-Jumbo6.3156.2026.202 
20 Yr Fixed-Jumbo6.7496.6576.657 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.844 
Used Motorcycle-60 Mo7.497.497.497.6012.994.4911
New Motorcycle-60 Mo7.497.497.497.2012.394.49-29
Used Motorhome-60 Mo7.238.136.347.8414.494.4961
New Motorhome-60 Mo8.3611.256.747.3713.994.49-98
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo11.5416.756.4910.1514.996.09-139
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* Represents the difference in the average rate between banks and credit unions.