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 - $10k0.934.100.011.493.650.0556
6 Mo CD - $10k1.534.110.012.604.030.05107
9 Mo CD - $10k1.884.170.013.003.751.44112
1 Yr CD - $10k1.734.100.012.884.080.10115
18 Mo CD - $10k1.564.000.012.803.700.20125
2 Yr CD - $10k1.664.100.012.784.070.20112
30 Mo CD - $10k1.484.100.012.864.500.90137
3 Yr CD - $10k1.574.100.012.773.700.30120
4 Yr CD - $10k1.634.000.012.944.200.30131
5 Yr CD - $10k1.624.000.013.083.800.80146
3 Mo CD - $100k0.994.100.011.493.650.0550
6 Mo CD - $100k1.544.110.012.614.030.05108
9 Mo CD - $100k1.894.170.013.023.751.44113
1 Yr CD - $100k1.774.100.012.904.080.10113
18 Mo CD - $100k1.604.000.012.813.700.20121
2 Yr CD - $100k1.664.100.012.794.070.20112
30 Mo CD - $100k1.484.100.013.064.501.50158
3 Yr CD - $100k1.564.100.012.783.700.30122
4 Yr CD - $100k1.634.000.012.933.800.30130
5 Yr CD - $100k1.644.000.013.103.800.80146
High Rate Checking0.070.150.013.526.002.25345
Basic Checking0.143.000.010.151.000.011
IRA - 1 Year - $10k1.694.180.012.914.080.10123
IRA - 1 Year - $100k2.183.700.013.154.002.0097
IRA - Liquid - $10k0.443.500.010.442.300.010
IRA - Liquid - $100k0.270.500.030.280.750.012
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.383.450.010.983.150.0560
Money Market - $10k0.453.600.011.003.150.0555
High Rate Money Market - $10k1.443.690.200.712.000.25-73
High Rate Money Market - $25k1.644.400.051.353.150.25-29
Money Market - $25k0.563.600.011.133.150.1057
Money Market - $50k0.673.600.011.273.150.1559
High Rate Money Market - $50k1.473.690.051.473.200.250
High Rate Money Market - $100k1.493.690.071.733.250.7024
Money Market - $100k0.883.600.011.453.400.1558
Money Market - $250k0.964.000.011.673.400.1571
High Rate Money Market - $250k1.533.690.071.933.350.8040
Money Market - $500k0.662.000.011.363.000.2570
High Rate Money Market - $500k0.750.750.751.401.750.8065
High Rate Money Market - $1 million0.750.750.751.471.950.8072
Money Market - $1 million0.662.000.011.423.000.2576
High Rate Savings0.521.500.022.633.501.75211
Regular Savings0.171.140.010.244.890.017
New Auto - 24 Mo6.5310.174.944.965.953.69-157
New Auto - 36 Mo7.2110.595.005.056.743.49-216
New Auto - 48 Mo7.2510.595.005.126.743.69-212
New Auto - 60 Mo7.2910.595.405.317.003.69-198
New Auto - 72 Mo7.4210.595.495.657.953.99-177
New Auto - 84 Mo6.197.244.945.767.243.99-43
Used Auto - 24 Mo6.7610.624.945.196.253.69-157
Used Auto - 36 Mo7.4811.505.005.237.503.49-225
Used Auto - 48 Mo7.5411.505.005.337.503.69-221
Used Auto - 60 Mo7.5511.505.405.517.503.69-204
Used Auto - 72 Mo7.5110.595.495.827.953.99-169
Used Auto - 84 Mo6.067.244.946.057.753.990
Used Boat-60 Mo8.229.946.497.4511.503.69-77
New Boat-60 Mo8.5812.255.497.3110.593.69-127
Rewards Credit Card17.1319.009.9913.0518.008.90-408
Credit Card Platinum15.7718.499.7411.2417.997.90-452
Credit Card Classic15.4329.249.7412.9218.007.99-251
Home Equity - LOC 80%7.3510.006.497.6118.004.9925
Home Equity - 5 Yr 80%7.769.145.386.799.244.25-97
Home Equity - 10 Yr 80%8.1610.756.506.9910.244.25-117
Home Equity - 15 Yr 80%8.019.006.507.259.004.25-75
7 Yr ARM6.8828.5005.6256.1197.3792.875-76
3 Yr ARM7.0258.1255.6256.2667.5104.625-76
5 Yr ARM6.9418.3755.5006.1606.7124.875-78
15 Yr Fixed6.31010.8505.0006.0406.6604.750-27
20 Yr Fixed6.6226.6366.3286.4766.6915.750-15
30 Yr Fixed6.73611.4505.9906.5287.3445.250-21
15 Yr Fixed-Jumbo6.3306.2156.2155.5125.4005.400-82
20 Yr Fixed-Jumbo6.6116.5196.5195.6095.5205.520-100
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.9325.9585.8905.890-105
Used Motorcycle-60 Mo10.1910.1910.197.4410.053.69-275
New Motorcycle-60 Mo10.1910.1910.197.208.993.69-299
Used Motorhome-60 Mo8.229.946.497.5510.503.69-66
New Motorhome-60 Mo8.4712.255.497.3410.593.69-114
Unsecured - 36 Mo10.9815.257.7510.6713.747.99-31
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* Represents the difference in the average rate between banks and credit unions.