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 - $10k1.064.100.011.593.650.0553
6 Mo CD - $10k1.684.100.012.584.000.0590
9 Mo CD - $10k1.884.170.013.444.891.44156
1 Yr CD - $10k1.864.200.012.894.000.10103
18 Mo CD - $10k1.624.140.012.804.020.20119
2 Yr CD - $10k1.704.250.012.854.070.20115
30 Mo CD - $10k1.484.100.012.904.500.90142
3 Yr CD - $10k1.634.150.012.813.980.30118
4 Yr CD - $10k1.634.000.012.984.200.30135
5 Yr CD - $10k1.634.000.013.163.980.80153
3 Mo CD - $100k1.044.100.011.593.650.0555
6 Mo CD - $100k1.654.100.012.634.000.0598
9 Mo CD - $100k1.924.170.013.454.891.44153
1 Yr CD - $100k1.864.200.012.944.100.10108
18 Mo CD - $100k1.654.180.012.814.020.20116
2 Yr CD - $100k1.734.250.012.894.070.20117
30 Mo CD - $100k1.494.100.013.114.501.50162
3 Yr CD - $100k1.634.150.012.853.980.30122
4 Yr CD - $100k1.644.000.013.003.980.30137
5 Yr CD - $100k1.644.000.013.183.980.80154
High Rate Checking0.070.150.013.576.002.25350
Basic Checking0.133.000.010.151.000.012
HSA - $1k   0.750.750.75 
HSA - $10k   1.501.501.50 
HSA - $25k   2.002.002.00 
IRA - 1 Year - $10k1.794.200.012.934.000.10113
IRA - 1 Year - $100k1.013.950.013.164.102.00215
IRA - Liquid - $10k0.323.250.010.442.300.0112
IRA - Liquid - $100k0.270.500.030.280.750.012
High Rate Money Market - $2.5k0.500.500.500.250.250.25-25
Money Market - $2.5k0.393.450.010.983.150.0559
Money Market - $10k0.443.450.011.003.150.0556
High Rate Money Market - $10k1.443.690.250.712.000.25-73
High Rate Money Market - $25k2.174.400.051.353.150.25-82
Money Market - $25k0.583.450.011.133.150.1055
Money Market - $50k0.793.450.011.263.150.1548
High Rate Money Market - $50k2.103.750.051.473.200.25-63
High Rate Money Market - $100k2.183.750.071.733.250.70-45
Money Market - $100k0.963.500.011.453.250.1549
Money Market - $250k1.044.000.011.673.250.1563
High Rate Money Market - $250k2.183.750.071.933.350.80-25
Money Market - $500k1.143.400.011.353.000.2521
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 million1.143.400.011.423.000.2527
High Rate Savings0.521.500.023.384.881.75286
Regular Savings0.171.140.010.244.890.017
New Auto - 24 Mo6.5810.174.944.895.992.00-169
New Auto - 36 Mo7.0010.595.005.006.503.00-200
New Auto - 48 Mo7.0610.595.005.106.503.75-196
New Auto - 60 Mo7.1110.595.405.297.003.99-182
New Auto - 72 Mo7.3910.595.495.647.953.99-176
New Auto - 84 Mo6.257.514.945.737.243.99-53
Used Auto - 24 Mo6.8210.624.945.186.492.50-163
Used Auto - 36 Mo7.3611.505.005.247.503.49-212
Used Auto - 48 Mo7.4011.505.005.357.503.75-205
Used Auto - 60 Mo7.4211.505.405.537.503.99-189
Used Auto - 72 Mo7.5010.595.495.867.953.99-164
Used Auto - 84 Mo6.157.514.946.097.753.99-5
Used Boat-60 Mo8.6310.017.247.4311.505.49-120
New Boat-60 Mo8.5112.255.497.3010.595.39-121
Rewards Credit Card17.1119.009.9913.0218.008.90-409
Credit Card Platinum15.8318.499.7411.2017.997.90-463
Credit Card Classic15.4329.249.7412.8118.007.99-261
Home Equity - LOC 80%7.1810.006.257.6618.004.9948
Home Equity - 5 Yr 80%7.709.145.386.839.244.25-87
Home Equity - 10 Yr 80%8.0910.756.507.0610.244.25-103
Home Equity - 15 Yr 80%7.919.006.507.299.004.25-62
7 Yr ARM6.9168.5005.8756.2497.3792.875-67
3 Yr ARM6.9658.1255.3756.3717.5104.625-59
5 Yr ARM7.0348.3755.7506.3187.1094.875-72
15 Yr Fixed6.37010.8505.2506.1126.6604.875-26
20 Yr Fixed6.7826.9266.3436.4856.8295.750-30
30 Yr Fixed6.76211.4505.9906.6357.3445.500-13
15 Yr Fixed-Jumbo6.4786.3506.3505.5245.4005.400-95
20 Yr Fixed-Jumbo7.0316.9276.9275.6195.5205.520-141
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.9835.9655.8905.890-110
Used Motorcycle-60 Mo10.9310.9310.937.4610.055.60-347
New Motorcycle-60 Mo10.9310.9310.937.278.955.60-366
Used Motorhome-60 Mo8.6310.017.247.5410.505.49-109
New Motorhome-60 Mo8.4212.255.497.3310.595.39-109
Unsecured - 36 Mo11.0115.257.7510.6413.507.99-38
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* Represents the difference in the average rate between banks and credit unions.