RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 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 - $10k1.583.850.011.925.330.1034
6 Mo CD - $10k2.034.110.012.759.000.1572
9 Mo CD - $10k1.574.150.013.215.330.05164
1 Yr CD - $10k2.164.500.012.994.100.0583
18 Mo CD - $10k1.984.750.013.065.330.25108
2 Yr CD - $10k1.904.100.012.993.930.05108
30 Mo CD - $10k1.463.750.012.624.500.05116
3 Yr CD - $10k1.744.100.012.923.850.36118
4 Yr CD - $10k1.724.110.012.964.200.10125
5 Yr CD - $10k1.754.160.012.933.850.10118
3 Mo CD - $100k1.664.000.011.995.330.1033
6 Mo CD - $100k2.114.110.012.779.000.1566
9 Mo CD - $100k1.624.100.013.245.330.05163
1 Yr CD - $100k2.254.500.013.024.100.0577
18 Mo CD - $100k1.974.110.013.095.330.25113
2 Yr CD - $100k2.014.100.013.024.060.35101
30 Mo CD - $100k1.503.750.012.683.800.05118
3 Yr CD - $100k1.814.100.012.954.060.36114
4 Yr CD - $100k1.734.110.013.014.060.41128
5 Yr CD - $100k1.824.160.012.964.060.10114
High Rate Checking1.437.000.013.275.120.05184
Basic Checking0.121.050.010.315.050.0119
IRA - 1 Year - $10k1.924.020.013.024.750.10110
IRA - 1 Year - $100k1.783.700.013.2210.650.10145
IRA - Liquid - $10k0.423.380.010.584.080.0116
IRA - Liquid - $100k0.863.490.010.604.080.01-26
High Rate Money Market - $2.5k0.300.300.300.581.050.2528
Money Market - $2.5k0.544.010.010.663.690.0112
Money Market - $10k0.604.010.010.713.250.0111
High Rate Money Market - $10k0.993.630.010.831.300.25-16
High Rate Money Market - $25k1.203.690.011.643.500.2544
Money Market - $25k0.684.010.010.803.250.0112
Money Market - $50k0.894.010.010.903.250.011
High Rate Money Market - $50k1.393.690.011.383.500.25-1
High Rate Money Market - $100k1.463.830.011.583.500.6012
Money Market - $100k1.044.260.011.103.250.016
Money Market - $250k1.174.260.011.223.250.015
High Rate Money Market - $250k1.533.830.011.773.500.7524
Money Market - $500k0.763.800.011.343.500.0157
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 million0.773.800.011.354.000.0158
Youth/Student Savings   0.250.250.25 
High Rate Savings1.553.900.022.165.000.1061
Regular Savings0.345.000.010.235.000.01-11
New Auto - 24 Mo6.8510.174.944.636.542.99-222
New Auto - 36 Mo6.7812.002.994.739.242.99-205
New Auto - 48 Mo6.8012.502.994.879.242.99-193
New Auto - 60 Mo6.8913.252.994.999.242.99-190
New Auto - 72 Mo6.6910.702.995.189.242.99-151
New Auto - 84 Mo6.568.994.945.527.742.99-104
Used Auto - 24 Mo7.0910.624.944.897.042.99-219
Used Auto - 36 Mo7.0513.002.995.019.492.99-204
Used Auto - 48 Mo7.0411.502.995.169.492.99-188
Used Auto - 60 Mo6.9110.622.995.289.492.99-163
Used Auto - 72 Mo6.8310.622.995.477.342.99-136
Used Auto - 84 Mo6.708.994.945.697.992.99-101
Used Boat-60 Mo7.329.845.997.2511.242.99-8
New Boat-60 Mo8.0810.752.996.9911.792.99-109
Rewards Credit Card16.7620.498.5013.6719.248.50-309
Credit Card Platinum15.6619.495.3511.9317.995.35-373
Credit Card Classic15.4823.749.7413.2123.997.00-226
Home Equity - LOC 80%7.2210.105.496.8718.004.99-35
Home Equity - 5 Yr 80%7.3710.055.806.589.004.50-78
Home Equity - 10 Yr 80%7.509.926.056.899.554.99-61
Home Equity - 15 Yr 80%7.348.746.307.169.255.32-19
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
3 Yr ARM6.3346.6676.001 
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
15 Yr Fixed-Jumbo6.2156.2156.215 
20 Yr Fixed-Jumbo6.5506.5506.550 
7 Yr ARM-Jumbo6.3496.3496.349 
5 Yr ARM-Jumbo6.2806.2806.280 
30 Yr Fixed-Jumbo6.8716.8716.871 
Used Motorcycle-60 Mo9.2410.997.497.1311.992.99-211
New Motorcycle-60 Mo8.749.997.496.8311.992.99-191
Used Motorhome-60 Mo7.759.846.247.2810.992.99-48
New Motorhome-60 Mo8.0110.752.997.0511.792.99-96
Unsecured - 36 Mo12.3319.756.7410.5218.006.00-181
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* Represents the difference in the average rate between banks and credit unions.