RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac.  Rates based upon a survey of 348,588 financial institution locations in 19,713 markets across the United States as of 10/21/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.104.100.011.614.000.0551▲
6 Mo CD - $10k1.744.210.012.604.150.0587▲
9 Mo CD - $10k2.124.500.013.774.892.45164▲
1 Yr CD - $10k1.864.200.012.964.250.10110▲
18 Mo CD - $10k1.684.280.012.914.300.20123▲
2 Yr CD - $10k1.764.250.012.964.350.20119▲
30 Mo CD - $10k1.534.250.012.994.500.90146▲
3 Yr CD - $10k1.664.300.012.944.400.30128▲
4 Yr CD - $10k1.694.300.013.104.450.30141▲
5 Yr CD - $10k1.684.400.013.274.500.80159▲
3 Mo CD - $100k1.074.100.011.614.000.0555▲
6 Mo CD - $100k1.674.210.012.654.250.0599▲
9 Mo CD - $100k2.164.500.013.784.892.45162▲
1 Yr CD - $100k1.904.200.013.014.350.10111▲
18 Mo CD - $100k1.754.280.012.924.300.20117▲
2 Yr CD - $100k1.764.250.013.004.350.20124▲
30 Mo CD - $100k1.524.250.013.214.501.75169▲
3 Yr CD - $100k1.654.300.012.984.400.30133▲
4 Yr CD - $100k1.724.300.013.124.450.30140▲
5 Yr CD - $100k1.704.400.013.284.500.80158▲
High Rate Checking0.552.000.013.676.002.25312▲
Basic Checking0.163.000.010.161.000.011▲
HSA - $1k   0.750.750.75 
HSA - $10k   1.501.501.50 
HSA - $25k   2.002.002.00 
IRA - 1 Year - $10k1.834.200.012.964.250.10112▲
IRA - 1 Year - $100k1.044.070.013.234.352.00219▲
IRA - Liquid - $10k0.393.440.010.442.300.015▲
IRA - Liquid - $100k0.270.500.030.290.850.012▲
High Rate Money Market - $2.5k0.500.500.500.250.250.25-25▼
Money Market - $2.5k0.323.000.010.973.150.0565▲
Money Market - $10k0.383.000.010.983.150.0560▲
High Rate Money Market - $10k1.323.690.250.762.250.25-56▼
High Rate Money Market - $25k2.053.750.051.403.150.25-65▼
Money Market - $25k0.523.340.011.133.150.1061▲
Money Market - $50k0.743.440.011.273.150.1553▲
High Rate Money Market - $50k2.103.750.051.523.200.25-58▼
High Rate Money Market - $100k2.183.750.071.813.250.70-37▼
Money Market - $100k0.943.500.011.463.250.2052▲
Money Market - $250k1.014.000.011.683.250.2067▲
High Rate Money Market - $250k2.183.750.072.003.350.80-17▼
Money Market - $500k1.003.400.011.383.000.3038▲
High Rate Money Market - $500k0.500.500.501.471.950.8097▲
High Rate Money Market - $1 million0.500.500.501.532.150.80103▲
Money Market - $1 million1.003.400.011.453.000.3045▲
High Rate Savings1.253.350.023.505.002.00225▲
Regular Savings0.181.250.010.244.890.016▲
New Auto - 24 Mo6.8610.175.445.016.492.00-185▼
New Auto - 36 Mo6.9810.595.005.056.493.00-193▼
New Auto - 48 Mo7.0610.595.005.186.493.75-188▼
New Auto - 60 Mo7.1110.895.405.387.003.99-173▼
New Auto - 72 Mo7.2910.595.495.747.954.49-155▼
New Auto - 84 Mo6.587.515.755.867.244.49-72▼
Used Auto - 24 Mo7.1410.625.645.316.742.50-183▼
Used Auto - 36 Mo7.3511.505.005.297.003.49-205▼
Used Auto - 48 Mo7.3911.505.005.447.003.75-195▼
Used Auto - 60 Mo7.3911.505.405.637.243.99-176▼
Used Auto - 72 Mo7.5110.595.495.967.953.99-154▼
Used Auto - 84 Mo6.587.515.756.277.754.49-31▼
Used Boat-60 Mo10.0010.019.997.4511.503.99-255▼
New Boat-60 Mo8.5312.255.497.2410.593.99-129▼
Rewards Credit Card17.2819.249.9913.2718.008.90-401▼
Credit Card Platinum15.9918.749.9911.2617.997.90-473▼
Credit Card Classic15.5329.249.7413.0118.007.99-252▼
Home Equity - LOC 80%7.2110.006.257.7618.004.9956▲
Home Equity - 5 Yr 80%7.869.145.386.999.244.25-87▼
Home Equity - 10 Yr 80%8.2310.756.507.2410.244.25-99▼
Home Equity - 15 Yr 80%8.149.256.507.519.004.25-62▼
7 Yr ARM6.9027.1006.7416.8967.2066.255-1▼
3 Yr ARM7.0917.3506.833 
5 Yr ARM6.7886.7886.7886.7607.1186.003-3▼
15 Yr Fixed6.9317.1266.5996.6016.8866.374-33▼
20 Yr Fixed7.2227.6676.7576.9637.1796.749-26▼
30 Yr Fixed7.3877.7176.9987.2187.4906.875-17▼
15 Yr Fixed-Jumbo7.1027.1027.102 
20 Yr Fixed-Jumbo7.6447.6447.644 
7 Yr ARM-Jumbo6.8176.8176.817 
5 Yr ARM-Jumbo6.7756.7756.775 
30 Yr Fixed-Jumbo7.7077.7077.707 
Used Motorcycle-60 Mo10.9310.9310.937.239.253.99-370▼
New Motorcycle-60 Mo10.9310.9310.936.988.953.99-395▼
Used Motorhome-60 Mo10.0010.019.997.6111.503.99-239▼
New Motorhome-60 Mo8.4412.255.497.3210.593.99-112▼
Unsecured - 36 Mo11.0615.257.7510.6613.507.99-40▼
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* Represents the difference in the average rate between banks and credit unions.