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 - $10k1.783.830.011.945.330.0516
6 Mo CD - $10k1.663.950.012.469.000.0180
9 Mo CD - $10k2.184.000.012.615.330.0543
1 Yr CD - $10k1.804.000.012.694.250.0588
18 Mo CD - $10k1.673.810.012.845.330.10117
2 Yr CD - $10k2.004.000.012.663.900.1066
30 Mo CD - $10k0.883.810.012.383.850.45150
3 Yr CD - $10k1.493.810.012.663.850.15118
4 Yr CD - $10k1.503.810.012.784.200.20128
5 Yr CD - $10k1.443.810.012.884.140.25144
3 Mo CD - $100k1.783.830.012.095.330.0530
6 Mo CD - $100k1.643.950.012.499.000.0185
9 Mo CD - $100k2.234.000.012.635.330.0540
1 Yr CD - $100k1.834.000.012.714.250.0588
18 Mo CD - $100k1.663.810.012.895.330.10122
2 Yr CD - $100k2.004.000.012.703.900.1070
30 Mo CD - $100k0.903.810.012.513.850.45161
3 Yr CD - $100k1.493.810.012.713.850.15122
4 Yr CD - $100k1.503.810.012.813.930.20131
5 Yr CD - $100k1.413.810.012.924.340.25151
High Rate Checking0.030.040.013.415.500.35339
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 - $10k1.783.910.012.724.250.0195
IRA - 1 Year - $100k2.493.700.013.014.050.0152
IRA - Liquid - $10k0.423.490.010.554.080.0113
IRA - Liquid - $100k1.313.900.010.704.080.01-61
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.403.150.010.793.500.0138
Money Market - $10k0.513.150.010.874.000.0137
High Rate Money Market - $10k0.752.960.030.601.250.25-15
High Rate Money Market - $25k0.992.980.031.553.150.2556
Money Market - $25k0.703.300.011.014.000.0132
Money Market - $50k0.743.300.011.104.000.0136
High Rate Money Market - $50k1.153.080.031.573.200.2542
High Rate Money Market - $100k1.213.080.032.173.251.5095
Money Market - $100k0.873.300.011.163.690.0129
Money Market - $250k0.933.300.011.243.690.0131
High Rate Money Market - $250k1.783.080.052.803.501.55102
Money Market - $500k1.184.000.031.112.750.01-7
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 million1.264.000.031.122.750.01-14
High Rate Savings1.703.500.022.255.000.0555
Regular Savings0.233.500.010.294.890.015
New Auto - 24 Mo6.168.994.994.845.992.99-133
New Auto - 36 Mo6.648.994.994.916.192.99-173
New Auto - 48 Mo6.768.994.995.026.242.99-174
New Auto - 60 Mo6.878.994.995.146.503.50-173
New Auto - 72 Mo6.948.995.245.557.953.99-139
New Auto - 84 Mo7.328.995.645.867.254.49-146
Used Auto - 24 Mo6.608.995.645.146.993.84-147
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 Mo6.838.994.995.446.993.99-139
Used Auto - 72 Mo6.548.245.245.787.803.99-76
Used Auto - 84 Mo7.328.995.646.118.134.49-121
Used Boat-60 Mo5.995.995.998.1014.494.49211
New Boat-60 Mo8.3811.256.247.4513.494.49-93
Rewards Credit Card17.5719.4913.4914.4117.997.40-316
Credit Card Platinum16.7719.4912.9012.9318.008.90-384
Credit Card Classic16.4020.995.9013.4627.748.00-294
Home Equity - LOC 80%7.229.095.996.587.500.25-64
Home Equity - 5 Yr 80%6.809.005.746.278.134.25-53
Home Equity - 10 Yr 80%7.049.256.136.618.384.99-43
Home Equity - 15 Yr 80%7.269.506.387.0510.005.00-21
7 Yr ARM6.2677.0895.5006.4707.6825.34220
3 Yr ARM5.7956.2505.0006.2727.7624.87548
5 Yr ARM5.9556.7504.9906.2177.7133.14226
15 Yr Fixed5.9567.2505.2506.0657.6254.87511
20 Yr Fixed6.3606.6365.8706.4116.7535.8755
30 Yr Fixed6.4788.0005.7506.4897.8755.5001
15 Yr Fixed-Jumbo6.3306.2156.215 
20 Yr Fixed-Jumbo6.6116.5196.519 
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.932 
Used Motorcycle-60 Mo7.497.497.497.4912.994.490
New Motorcycle-60 Mo7.497.497.497.1112.394.49-38
Used Motorhome-60 Mo7.188.136.247.8814.494.4970
New Motorhome-60 Mo8.3611.256.747.3913.994.49-97
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.5416.756.4910.0414.996.09-150
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* Represents the difference in the average rate between banks and credit unions.