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 - $10k1.594.000.011.813.600.1023
6 Mo CD - $10k2.254.000.022.523.750.1527
9 Mo CD - $10k2.103.930.023.464.002.85136
1 Yr CD - $10k2.474.100.032.794.000.3032
18 Mo CD - $10k2.274.150.032.663.960.3539
2 Yr CD - $10k2.304.200.032.783.850.4048
30 Mo CD - $10k2.113.850.033.013.800.7590
3 Yr CD - $10k2.254.300.032.833.800.4558
4 Yr CD - $10k2.194.300.032.934.300.5074
5 Yr CD - $10k2.304.300.032.923.750.5562
3 Mo CD - $100k1.634.100.011.883.600.1025
6 Mo CD - $100k2.284.000.022.583.750.1530
9 Mo CD - $100k2.143.930.023.464.052.85132
1 Yr CD - $100k2.504.100.032.834.000.3033
18 Mo CD - $100k2.315.050.032.673.960.3536
2 Yr CD - $100k2.354.200.032.813.900.4045
30 Mo CD - $100k2.153.950.033.043.800.7589
3 Yr CD - $100k2.254.300.032.863.900.4560
4 Yr CD - $100k2.224.300.032.924.300.5070
5 Yr CD - $100k2.344.330.032.933.900.5559
High Rate Checking1.403.500.013.455.000.20205
Basic Checking0.191.730.010.262.020.018
IRA - 1 Year - $10k2.254.060.012.693.900.1044
IRA - 1 Year - $100k2.014.000.033.013.950.10100
IRA - Liquid - $10k1.304.500.010.563.750.03-75
IRA - Liquid - $100k0.922.000.010.381.550.05-54
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 - $10k0.582.960.010.541.600.05-3
High Rate Money Market - $10k0.523.010.010.320.740.20-20
High Rate Money Market - $25k1.173.600.011.043.150.20-13
Money Market - $25k0.723.550.010.731.600.101
Money Market - $50k0.863.550.010.922.030.106
High Rate Money Market - $50k1.163.600.011.753.200.2558
High Rate Money Market - $100k1.643.600.011.943.250.5030
Money Market - $100k1.103.550.011.112.500.101
Money Market - $250k1.244.890.011.262.960.202
High Rate Money Market - $250k1.593.600.012.333.350.5074
Money Market - $500k1.453.400.011.363.000.25-9
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 million1.473.400.011.383.000.25-8
High Rate Savings1.183.300.023.035.251.00185
Regular Savings0.322.710.010.180.600.01-15
New Auto - 24 Mo6.648.595.445.148.993.52-150
New Auto - 36 Mo6.8811.004.755.138.993.52-175
New Auto - 48 Mo6.9611.004.755.278.993.99-169
New Auto - 60 Mo7.0511.004.755.247.754.14-180
New Auto - 72 Mo7.0211.005.005.557.754.14-147
New Auto - 84 Mo7.958.596.665.816.494.89-214
Used Auto - 24 Mo7.1110.035.645.408.993.52-171
Used Auto - 36 Mo7.1811.004.755.248.993.52-194
Used Auto - 48 Mo7.2511.004.755.378.993.99-188
Used Auto - 60 Mo7.3011.004.755.358.494.15-195
Used Auto - 72 Mo7.1911.005.355.728.494.49-147
Used Auto - 84 Mo7.958.596.666.026.994.89-192
Used Boat-60 Mo8.769.847.787.9410.195.89-82
New Boat-60 Mo8.1111.004.757.5710.744.15-55
Rewards Credit Card15.6219.4910.9013.1018.406.75-252
Credit Card Platinum16.0318.749.9012.0917.249.75-394
Credit Card Classic16.7528.249.9612.1015.408.99-465
Home Equity - LOC 80%7.599.505.846.888.505.74-71
Home Equity - 5 Yr 80%7.619.255.507.009.505.99-62
Home Equity - 10 Yr 80%7.749.375.507.469.745.99-29
Home Equity - 15 Yr 80%7.849.205.507.7610.245.99-9
7 Yr ARM6.6438.0005.6256.5697.1255.750-7
3 Yr ARM6.9667.4256.2506.0966.0945.875-87
5 Yr ARM6.8498.0005.5006.2357.0435.500-61
15 Yr Fixed6.2529.2505.2506.1716.5975.125-8
20 Yr Fixed6.7097.0056.3496.4806.7506.120-23
30 Yr Fixed6.5757.7105.8756.6816.8756.00011
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 Mo7.027.666.027.7612.244.9974
New Motorcycle-60 Mo7.007.666.027.4712.244.9947
Used Motorhome-60 Mo8.759.847.787.9610.195.89-79
New Motorhome-60 Mo8.1211.004.757.379.994.15-75
Unsecured - 36 Mo11.4818.006.7412.0536.006.9958
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* Represents the difference in the average rate between banks and credit unions.