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 - $10k1.594.000.011.813.600.1022
6 Mo CD - $10k2.264.100.022.544.100.1528
9 Mo CD - $10k2.074.000.023.494.002.85142
1 Yr CD - $10k2.494.150.032.904.010.3041
18 Mo CD - $10k2.294.250.032.653.960.3536
2 Yr CD - $10k2.344.250.032.854.000.4051
30 Mo CD - $10k2.144.100.033.094.000.7595
3 Yr CD - $10k2.254.300.032.894.250.4564
4 Yr CD - $10k2.234.300.032.954.300.5072
5 Yr CD - $10k2.334.350.032.923.750.5559
3 Mo CD - $100k1.604.100.011.883.600.1028
6 Mo CD - $100k2.284.100.022.604.100.1533
9 Mo CD - $100k2.114.000.023.494.052.85138
1 Yr CD - $100k2.524.150.032.934.010.3041
18 Mo CD - $100k2.325.050.032.663.960.3534
2 Yr CD - $100k2.384.250.032.884.000.4050
30 Mo CD - $100k2.174.200.033.114.000.7595
3 Yr CD - $100k2.284.330.032.924.250.4563
4 Yr CD - $100k2.254.380.032.944.300.5069
5 Yr CD - $100k2.374.440.032.933.900.5556
High Rate Checking1.403.500.013.455.000.20205
Basic Checking0.203.920.010.262.020.016
IRA - 1 Year - $10k2.264.100.022.813.900.1055
IRA - 1 Year - $100k1.904.100.033.023.950.10111
IRA - Liquid - $10k1.324.500.010.573.750.03-76
IRA - Liquid - $100k0.992.000.010.381.550.05-61
High Rate Money Market - $2.5k0.650.750.550.250.250.25-40
Money Market - $2.5k0.512.960.010.552.960.054
Money Market - $10k0.582.960.010.551.600.05-3
High Rate Money Market - $10k0.533.010.010.320.740.20-21
High Rate Money Market - $25k1.153.550.011.043.150.20-12
Money Market - $25k0.703.340.010.751.600.104
Money Market - $50k0.833.340.010.942.030.1010
High Rate Money Market - $50k1.173.550.011.753.200.2558
High Rate Money Market - $100k1.653.550.011.813.250.5016
Money Market - $100k1.063.340.011.102.500.154
Money Market - $250k1.234.890.011.212.960.20-2
High Rate Money Market - $250k1.603.550.012.193.350.5059
Money Market - $500k1.453.400.011.313.000.25-14
High Rate Money Market - $500k1.672.760.251.751.751.758
High Rate Money Market - $1 million1.672.760.251.951.951.9528
Money Market - $1 million1.463.400.011.323.000.25-14
High Rate Savings1.183.300.023.035.251.00185
Regular Savings0.332.710.010.180.600.01-15
New Auto - 24 Mo6.588.595.255.108.993.89-149
New Auto - 36 Mo6.8511.004.655.188.993.89-167
New Auto - 48 Mo6.9311.004.655.238.993.99-170
New Auto - 60 Mo7.0211.004.755.217.754.14-180
New Auto - 72 Mo6.9711.005.005.577.754.14-140
New Auto - 84 Mo7.958.596.665.726.854.49-223
Used Auto - 24 Mo6.738.595.255.368.994.60-137
Used Auto - 36 Mo7.1311.004.655.318.993.99-182
Used Auto - 48 Mo7.2211.004.655.368.993.99-186
Used Auto - 60 Mo7.2511.004.755.348.494.15-191
Used Auto - 72 Mo7.1111.005.355.768.494.49-135
Used Auto - 84 Mo7.958.596.665.936.994.89-202
Used Boat-60 Mo8.769.847.787.9110.195.89-85
New Boat-60 Mo8.0811.004.757.5410.744.15-54
Rewards Credit Card15.6019.4910.9013.0818.406.75-252
Credit Card Platinum16.0318.749.9012.0917.249.75-394
Credit Card Classic16.6518.759.9612.1015.408.99-454
Home Equity - LOC 80%7.549.505.846.878.505.74-67
Home Equity - 5 Yr 80%7.729.486.246.929.505.63-80
Home Equity - 10 Yr 80%7.869.696.257.359.745.63-51
Home Equity - 15 Yr 80%7.949.556.257.6610.245.99-27
7 Yr ARM6.7338.0006.1256.3817.0575.875-35
3 Yr ARM7.0237.4256.2506.1776.2485.875-85
5 Yr ARM6.9528.1536.0006.2177.0435.625-74
15 Yr Fixed6.3359.2505.3756.2946.6865.125-4
20 Yr Fixed6.7947.0056.3436.5356.7506.135-26
30 Yr Fixed6.7137.7106.0006.7746.9436.0006
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 Mo6.767.665.257.7612.244.85100
New Motorcycle-60 Mo6.757.665.257.4812.244.8573
Used Motorhome-60 Mo8.759.847.787.9310.195.89-82
New Motorhome-60 Mo8.0811.004.757.359.994.15-73
Unsecured - 36 Mo11.4718.006.7411.5718.007.4910
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* Represents the difference in the average rate between banks and credit unions.