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 - $10k1.614.200.011.813.600.1019
6 Mo CD - $10k2.244.100.022.523.950.1528
9 Mo CD - $10k2.174.000.023.334.002.85116
1 Yr CD - $10k2.464.050.032.804.000.3035
18 Mo CD - $10k2.264.150.032.603.960.3534
2 Yr CD - $10k2.294.500.032.763.850.4047
30 Mo CD - $10k2.093.750.032.933.500.7584
3 Yr CD - $10k2.233.900.032.813.800.4558
4 Yr CD - $10k2.193.920.032.864.200.5067
5 Yr CD - $10k2.293.950.032.893.750.5560
3 Mo CD - $100k1.584.200.011.873.600.1029
6 Mo CD - $100k2.274.100.022.573.950.1530
9 Mo CD - $100k2.204.000.023.334.052.85113
1 Yr CD - $100k2.484.050.032.924.000.3044
18 Mo CD - $100k2.295.050.032.733.960.3543
2 Yr CD - $100k2.314.500.032.793.900.4048
30 Mo CD - $100k2.083.750.032.953.590.7587
3 Yr CD - $100k2.244.000.032.833.900.4559
4 Yr CD - $100k2.214.020.032.843.900.5063
5 Yr CD - $100k2.324.050.032.904.000.5557
High Rate Checking1.403.500.013.455.000.20205
Basic Checking0.171.730.010.262.020.019
IRA - 1 Year - $10k2.224.060.012.843.900.1062
IRA - 1 Year - $100k2.274.000.042.963.950.1069
IRA - Liquid - $10k1.324.500.010.543.750.01-78
IRA - Liquid - $100k0.922.000.010.240.650.01-68
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.512.960.010.552.960.055
Money Market - $10k0.582.960.010.541.600.05-4
High Rate Money Market - $10k0.563.010.010.320.740.20-24
High Rate Money Market - $25k1.183.600.011.043.150.20-15
Money Market - $25k0.713.550.010.731.600.102
Money Market - $50k0.863.550.010.922.030.107
High Rate Money Market - $50k1.203.600.011.753.200.2555
High Rate Money Market - $100k1.673.600.011.943.250.5027
Money Market - $100k1.103.550.011.082.500.10-1
Money Market - $250k1.244.890.011.232.960.20-1
High Rate Money Market - $250k1.633.600.012.333.350.5070
Money Market - $500k1.253.090.011.363.000.2511
High Rate Money Market - $500k1.602.550.251.751.751.7515
High Rate Money Market - $1 million1.602.550.251.951.951.9535
Money Market - $1 million1.273.090.011.383.000.2512
High Rate Savings1.203.400.023.035.251.00183
Regular Savings0.322.710.010.180.600.01-15
New Auto - 24 Mo6.698.595.445.178.993.52-152
New Auto - 36 Mo6.9511.004.755.138.993.52-182
New Auto - 48 Mo7.0311.004.755.278.993.99-176
New Auto - 60 Mo7.1111.004.755.247.753.99-187
New Auto - 72 Mo7.1611.005.005.557.753.99-161
New Auto - 84 Mo7.958.596.665.816.494.89-214
Used Auto - 24 Mo7.1610.035.645.428.993.52-174
Used Auto - 36 Mo7.2411.004.755.258.993.52-199
Used Auto - 48 Mo7.3211.004.755.388.993.99-194
Used Auto - 60 Mo7.3611.004.755.358.494.15-200
Used Auto - 72 Mo7.3711.005.355.768.494.49-161
Used Auto - 84 Mo7.958.596.666.036.994.89-192
Used Boat-60 Mo8.729.847.607.9110.195.89-80
New Boat-60 Mo8.0711.004.757.4810.744.15-58
Rewards Credit Card15.6419.4910.9012.9918.406.75-265
Credit Card Platinum16.1418.749.9011.9317.249.75-421
Credit Card Classic16.6828.249.9612.1015.408.99-458
Home Equity - LOC 80%7.689.505.846.888.505.74-80
Home Equity - 5 Yr 80%7.609.255.506.759.505.99-85
Home Equity - 10 Yr 80%7.799.255.507.199.505.99-60
Home Equity - 15 Yr 80%7.829.005.507.439.005.99-38
7 Yr ARM6.6678.0005.6256.5827.0575.875-9
3 Yr ARM6.8827.4256.2506.0496.0015.875-83
5 Yr ARM6.7788.0005.5006.1917.0435.500-59
15 Yr Fixed6.2459.2505.2506.1596.6865.125-9
20 Yr Fixed6.6807.0056.3286.5706.7506.129-11
30 Yr Fixed6.5777.7106.0006.6836.9696.00011
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 Mo7.187.666.527.7612.244.9958
New Motorcycle-60 Mo7.177.666.527.4712.244.9930
Used Motorhome-60 Mo8.729.847.607.9410.195.89-78
New Motorhome-60 Mo8.0511.004.757.309.994.15-75
Unsecured - 36 Mo11.4716.006.7412.0436.006.9958
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* Represents the difference in the average rate between banks and credit unions.