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 - $10k1.794.400.012.025.330.0523
6 Mo CD - $10k1.624.400.012.444.050.0182
9 Mo CD - $10k2.414.100.012.719.000.0530
1 Yr CD - $10k1.874.400.012.704.100.0583
18 Mo CD - $10k1.684.300.012.935.330.10124
2 Yr CD - $10k2.114.300.012.724.070.1062
30 Mo CD - $10k0.883.810.012.484.090.45161
3 Yr CD - $10k1.514.300.012.744.070.15123
4 Yr CD - $10k1.504.010.012.864.200.20136
5 Yr CD - $10k1.444.350.012.974.280.25153
3 Mo CD - $100k1.844.400.012.165.330.0532
6 Mo CD - $100k1.634.400.012.474.150.0184
9 Mo CD - $100k2.414.100.012.739.000.0533
1 Yr CD - $100k1.914.400.012.744.150.0583
18 Mo CD - $100k1.734.300.012.975.330.10124
2 Yr CD - $100k2.114.300.012.774.070.1066
30 Mo CD - $100k0.903.810.012.594.090.45169
3 Yr CD - $100k1.514.300.012.794.070.15127
4 Yr CD - $100k1.524.010.012.904.120.20138
5 Yr CD - $100k1.424.350.013.014.490.25159
High Rate Checking0.030.040.013.035.500.05301
Basic Checking0.100.990.010.305.250.0120
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.774.400.012.774.100.0599
IRA - 1 Year - $100k2.414.500.013.164.150.9075
IRA - Liquid - $10k0.404.020.010.554.080.0115
IRA - Liquid - $100k1.313.900.010.704.080.01-61
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.473.750.010.793.500.0132
Money Market - $10k0.573.750.010.893.500.0131
High Rate Money Market - $10k0.753.500.030.601.250.25-15
High Rate Money Market - $25k1.153.640.031.553.150.2540
Money Market - $25k0.753.750.011.033.500.0128
Money Market - $50k0.803.750.011.113.540.0131
High Rate Money Market - $50k1.313.640.031.573.200.2525
High Rate Money Market - $100k1.383.640.032.173.251.5079
Money Market - $100k0.923.750.011.203.690.0128
Money Market - $250k1.003.750.011.253.690.0125
High Rate Money Market - $250k1.993.640.052.803.501.5581
Money Market - $500k1.104.000.031.062.750.01-4
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 million1.174.000.031.072.750.01-10
High Rate Savings1.433.400.022.255.000.0582
Regular Savings0.293.400.010.284.890.01-1
New Auto - 24 Mo6.218.994.994.765.992.99-145
New Auto - 36 Mo6.628.994.994.906.192.99-172
New Auto - 48 Mo6.748.994.995.016.242.99-172
New Auto - 60 Mo6.838.994.995.146.503.50-169
New Auto - 72 Mo6.988.995.245.507.353.99-148
New Auto - 84 Mo7.448.995.895.757.254.49-169
Used Auto - 24 Mo6.658.995.645.096.993.84-156
Used Auto - 36 Mo7.008.994.995.226.993.84-178
Used Auto - 48 Mo7.118.994.995.346.993.99-177
Used Auto - 60 Mo6.838.994.995.466.993.99-136
Used Auto - 72 Mo6.778.245.245.747.803.99-103
Used Auto - 84 Mo7.448.995.896.048.134.49-140
Used Boat-60 Mo6.096.096.098.0914.744.49200
New Boat-60 Mo9.1712.496.247.4213.744.49-175
Rewards Credit Card17.6219.9913.4914.4517.997.40-317
Credit Card Platinum16.9729.7412.9012.9218.008.99-405
Credit Card Classic16.3720.995.9013.3927.748.00-298
Home Equity - LOC 80%7.3416.005.996.587.500.25-76
Home Equity - 5 Yr 80%6.829.005.746.338.134.25-49
Home Equity - 10 Yr 80%7.069.256.136.638.384.75-43
Home Equity - 15 Yr 80%7.259.506.387.0610.004.75-19
7 Yr ARM6.3606.8755.5006.5787.6825.34222
3 Yr ARM5.7926.3755.0006.4307.7625.00064
5 Yr ARM6.0486.7504.9906.3547.7133.14231
15 Yr Fixed6.0987.2504.7506.2957.5005.12520
20 Yr Fixed6.6206.9266.1296.5176.9965.931-10
30 Yr Fixed6.6198.0005.6256.7117.2505.9179
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo7.497.497.497.5213.244.493
New Motorcycle-60 Mo7.497.497.497.1212.644.49-37
Used Motorhome-60 Mo7.238.136.347.9214.744.4969
New Motorhome-60 Mo8.3611.256.747.3914.244.49-97
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo11.6116.756.4910.1414.996.09-148
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* Represents the difference in the average rate between banks and credit unions.