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 - $10k1.583.900.011.915.330.1033
6 Mo CD - $10k2.064.210.012.724.500.1566
9 Mo CD - $10k1.594.150.013.279.000.05168
1 Yr CD - $10k2.194.500.013.014.100.0582
18 Mo CD - $10k2.014.750.013.065.330.25106
2 Yr CD - $10k1.954.260.013.013.930.05106
30 Mo CD - $10k1.463.780.012.654.500.05119
3 Yr CD - $10k1.774.350.012.964.250.36119
4 Yr CD - $10k1.764.350.012.994.200.10124
5 Yr CD - $10k1.794.400.012.973.970.10118
3 Mo CD - $100k1.674.000.011.995.330.1032
6 Mo CD - $100k2.154.210.012.734.500.1558
9 Mo CD - $100k1.654.100.013.309.000.05165
1 Yr CD - $100k2.294.500.013.044.100.0575
18 Mo CD - $100k1.994.210.013.085.330.25109
2 Yr CD - $100k2.054.260.013.054.060.35100
30 Mo CD - $100k1.503.780.012.713.800.05121
3 Yr CD - $100k1.844.350.012.994.250.36115
4 Yr CD - $100k1.774.350.013.044.060.41128
5 Yr CD - $100k1.864.400.013.004.060.10114
High Rate Checking1.437.000.013.275.120.05184
Basic Checking0.111.000.010.203.040.018
HSA - $1k0.200.200.200.100.100.10-10
HSA - $10k0.400.400.400.100.100.10-30
HSA - $25k0.400.400.400.100.100.10-30
IRA - 1 Year - $10k1.934.160.013.034.750.10111
IRA - 1 Year - $100k1.483.700.013.2510.650.10177
IRA - Liquid - $10k0.413.380.010.584.080.0117
IRA - Liquid - $100k0.853.430.010.604.080.01-25
High Rate Money Market - $2.5k0.300.300.300.581.050.2528
Money Market - $2.5k0.544.010.010.683.930.0114
Money Market - $10k0.604.010.010.713.250.0110
High Rate Money Market - $10k0.983.630.010.831.300.25-15
High Rate Money Market - $25k1.183.630.011.383.500.2520
Money Market - $25k0.704.010.010.813.250.0111
Money Market - $50k0.904.010.010.903.250.010
High Rate Money Market - $50k1.263.630.011.383.500.2513
High Rate Money Market - $100k1.373.830.011.583.500.6021
Money Market - $100k1.064.260.011.083.250.012
Money Market - $250k1.184.260.011.213.980.013
High Rate Money Market - $250k1.433.830.011.773.500.7533
Money Market - $500k0.873.800.011.333.500.0146
High Rate Money Market - $500k2.552.552.551.893.500.75-66
High Rate Money Market - $1 million2.552.552.551.933.500.75-62
Money Market - $1 million0.873.800.011.343.900.0147
Youth/Student Savings   0.250.250.25 
High Rate Savings1.513.900.022.225.000.1071
Regular Savings0.335.010.010.235.010.01-10
New Auto - 24 Mo6.8510.174.944.606.542.99-225
New Auto - 36 Mo6.7511.002.994.696.542.99-206
New Auto - 48 Mo6.7510.502.994.889.242.99-187
New Auto - 60 Mo6.8210.172.994.999.242.99-183
New Auto - 72 Mo6.6710.172.995.189.242.99-149
New Auto - 84 Mo6.568.994.945.517.742.99-105
Used Auto - 24 Mo7.0610.624.944.907.042.99-216
Used Auto - 36 Mo7.0413.002.995.019.492.99-202
Used Auto - 48 Mo7.0210.622.995.137.252.99-189
Used Auto - 60 Mo6.9110.622.995.257.252.99-166
Used Auto - 72 Mo6.8410.622.995.487.342.99-136
Used Auto - 84 Mo6.708.994.945.697.992.99-101
Used Boat-60 Mo7.499.846.097.2211.242.99-27
New Boat-60 Mo8.0810.752.996.9511.792.99-113
Rewards Credit Card16.7520.498.5013.7319.248.50-302
Credit Card Platinum15.6619.495.3511.9117.995.35-375
Credit Card Classic15.4723.749.7413.1123.997.00-236
Home Equity - LOC 80%7.1810.104.996.8318.004.99-34
Home Equity - 5 Yr 80%7.2910.055.106.569.004.50-73
Home Equity - 10 Yr 80%7.509.925.756.879.554.99-64
Home Equity - 15 Yr 80%7.388.925.887.149.385.32-24
7 Yr ARM6.1737.5001.0006.0607.0961.000-11
3 Yr ARM5.8707.7071.0005.7258.1251.000-15
5 Yr ARM6.5068.1535.5006.1177.0772.875-39
15 Yr Fixed6.0316.5005.2506.1116.8314.0008
20 Yr Fixed6.4896.8016.0036.2736.9743.375-22
30 Yr Fixed6.5186.8755.8006.5777.5005.5006
15 Yr Fixed-Jumbo6.3726.2596.2596.0976.9155.290-27
20 Yr Fixed-Jumbo6.8996.8076.8075.9965.9075.907-90
7 Yr ARM-Jumbo6.4196.3516.3516.0325.9655.965-39
5 Yr ARM-Jumbo6.4156.3476.3476.3336.3756.154-8
3 Yr ARM-Jumbo5.8805.8145.814 
30 Yr Fixed-Jumbo7.0386.9676.9676.2176.5005.814-82
Used Motorcycle-60 Mo9.2410.997.497.1311.992.99-211
New Motorcycle-60 Mo8.749.997.496.8811.992.99-186
Used Motorhome-60 Mo7.899.846.347.2410.992.99-66
New Motorhome-60 Mo8.0210.752.997.0211.792.99-101
Unsecured - 36 Mo12.2719.756.7410.5218.006.00-175
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* Represents the difference in the average rate between banks and credit unions.