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 - $10k1.004.100.011.583.650.0558
6 Mo CD - $10k1.574.100.012.594.030.05102
9 Mo CD - $10k1.864.170.013.274.891.44141
1 Yr CD - $10k1.794.180.012.894.080.10110
18 Mo CD - $10k1.554.000.012.743.900.20119
2 Yr CD - $10k1.674.100.012.784.070.20111
30 Mo CD - $10k1.464.100.012.884.500.90141
3 Yr CD - $10k1.594.100.012.753.700.30117
4 Yr CD - $10k1.634.000.012.934.200.30130
5 Yr CD - $10k1.604.000.013.113.800.80151
3 Mo CD - $100k1.004.100.011.583.650.0558
6 Mo CD - $100k1.614.100.012.644.030.05103
9 Mo CD - $100k1.904.170.013.294.891.44139
1 Yr CD - $100k1.834.180.012.944.100.10112
18 Mo CD - $100k1.604.180.012.753.900.20115
2 Yr CD - $100k1.674.100.012.824.070.20115
30 Mo CD - $100k1.454.100.013.094.501.75164
3 Yr CD - $100k1.594.100.012.793.700.30120
4 Yr CD - $100k1.654.000.012.953.800.30130
5 Yr CD - $100k1.654.000.013.133.800.80148
High Rate Checking0.070.150.013.576.002.25350
Basic Checking0.143.000.010.151.000.012
HSA - $1k   0.750.750.75 
HSA - $10k   1.501.501.50 
HSA - $25k   2.002.002.00 
IRA - 1 Year - $10k1.684.180.012.924.080.10124
IRA - 1 Year - $100k1.473.830.013.164.102.00169
IRA - Liquid - $10k0.383.250.010.442.300.016
IRA - Liquid - $100k0.270.500.030.280.750.012
High Rate Money Market - $2.5k0.500.500.500.250.250.25-25
Money Market - $2.5k0.383.450.010.983.150.0559
Money Market - $10k0.433.450.011.003.150.0557
High Rate Money Market - $10k1.443.690.200.712.000.25-73
High Rate Money Market - $25k1.664.400.051.353.150.25-31
Money Market - $25k0.563.450.011.133.150.1057
Money Market - $50k0.773.450.011.273.150.1550
High Rate Money Market - $50k1.453.690.051.473.200.252
High Rate Money Market - $100k1.503.690.071.733.250.7023
Money Market - $100k0.953.500.011.453.400.1550
Money Market - $250k1.034.000.011.673.400.1564
High Rate Money Market - $250k1.543.690.071.933.350.8039
Money Market - $500k1.143.400.011.363.000.2522
High Rate Money Market - $500k0.500.500.501.401.750.8090
High Rate Money Market - $1 million0.500.500.501.471.950.8097
Money Market - $1 million1.143.400.011.423.000.2528
High Rate Savings0.521.500.022.633.501.75211
Regular Savings0.171.140.010.244.890.017
New Auto - 24 Mo6.5310.174.944.985.953.89-155
New Auto - 36 Mo7.1711.475.005.046.743.49-213
New Auto - 48 Mo7.2110.595.005.126.743.75-209
New Auto - 60 Mo7.2710.595.405.317.003.99-196
New Auto - 72 Mo7.4310.595.495.667.953.99-177
New Auto - 84 Mo6.197.244.945.787.243.99-41
Used Auto - 24 Mo6.7610.624.945.226.253.99-153
Used Auto - 36 Mo7.4911.505.005.247.503.49-225
Used Auto - 48 Mo7.5111.505.005.347.503.75-217
Used Auto - 60 Mo7.5611.505.405.537.503.99-203
Used Auto - 72 Mo7.5210.595.495.857.953.99-167
Used Auto - 84 Mo6.067.244.946.097.753.994
Used Boat-60 Mo8.599.947.247.5411.505.49-105
New Boat-60 Mo8.5212.255.497.3010.595.39-121
Rewards Credit Card17.0519.009.9913.0218.008.90-403
Credit Card Platinum15.8118.499.7411.2317.997.90-458
Credit Card Classic15.4329.249.7412.8118.007.99-261
Home Equity - LOC 80%7.3010.006.257.6618.004.9935
Home Equity - 5 Yr 80%7.729.145.386.799.244.25-93
Home Equity - 10 Yr 80%8.1210.906.507.0110.244.25-111
Home Equity - 15 Yr 80%7.949.006.507.229.004.25-71
7 Yr ARM6.8858.5005.6256.1187.3792.875-77
3 Yr ARM7.0208.1255.7506.3237.5104.625-70
5 Yr ARM6.9558.3755.5006.1766.6764.875-78
15 Yr Fixed6.36810.8505.0006.0256.6604.750-34
20 Yr Fixed6.7096.8016.3496.3156.5795.750-39
30 Yr Fixed6.78011.4505.9906.4917.3445.250-29
15 Yr Fixed-Jumbo6.3156.2026.2025.5105.4005.400-80
20 Yr Fixed-Jumbo6.7496.6576.6575.6085.5205.520-114
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.8445.9575.8905.890-96
Used Motorcycle-60 Mo10.1910.1910.197.5410.055.60-265
New Motorcycle-60 Mo10.1910.1910.197.308.995.48-289
Used Motorhome-60 Mo8.599.947.247.6510.505.49-94
New Motorhome-60 Mo8.4212.255.497.3310.595.39-109
Unsecured - 36 Mo10.9715.257.7510.6413.507.99-34
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* Represents the difference in the average rate between banks and credit unions.