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 - $10k1.593.940.011.955.330.1035
6 Mo CD - $10k2.084.160.012.744.500.1566
9 Mo CD - $10k1.684.090.013.299.000.05161
1 Yr CD - $10k2.294.500.013.064.400.0576
18 Mo CD - $10k2.064.500.013.085.330.25102
2 Yr CD - $10k1.984.350.013.084.070.05110
30 Mo CD - $10k1.494.160.012.805.000.05131
3 Yr CD - $10k1.804.400.013.044.250.36124
4 Yr CD - $10k1.784.450.013.084.200.10130
5 Yr CD - $10k1.814.500.013.086.250.10127
3 Mo CD - $100k1.653.940.012.025.330.1037
6 Mo CD - $100k2.154.160.012.754.500.1560
9 Mo CD - $100k1.734.090.013.319.000.05158
1 Yr CD - $100k2.354.500.013.094.400.0574
18 Mo CD - $100k2.054.450.013.085.330.03104
2 Yr CD - $100k2.084.350.013.114.180.35103
30 Mo CD - $100k1.524.160.012.825.000.05131
3 Yr CD - $100k1.864.400.013.064.320.36119
4 Yr CD - $100k1.794.450.013.134.200.41135
5 Yr CD - $100k1.874.500.013.116.250.10124
High Rate Checking1.537.500.013.275.120.05174
Basic Checking0.111.000.010.243.040.0113
HSA - $1k0.200.200.200.180.250.10-3
HSA - $10k0.400.400.400.300.500.10-10
HSA - $25k0.400.400.400.551.000.1015
IRA - 1 Year - $10k2.034.170.013.074.750.10104
IRA - 1 Year - $100k1.744.100.013.2910.650.10154
IRA - Liquid - $10k0.413.380.010.594.080.0118
IRA - Liquid - $100k0.903.850.010.624.080.01-28
High Rate Money Market - $2.5k0.550.550.550.451.050.05-10
Money Market - $2.5k0.534.010.010.693.690.0116
Money Market - $10k0.574.010.010.743.430.0117
High Rate Money Market - $10k0.983.630.010.831.300.25-15
High Rate Money Market - $25k1.243.630.011.643.500.2540
Money Market - $25k0.704.010.010.843.580.0114
Money Market - $50k0.924.010.010.933.580.011
High Rate Money Market - $50k1.353.630.011.383.500.253
High Rate Money Market - $100k1.423.830.011.583.500.6016
Money Market - $100k1.074.010.011.123.580.015
Money Market - $250k1.204.010.011.233.980.013
High Rate Money Market - $250k1.493.830.011.773.500.7528
Money Market - $500k0.833.800.011.393.580.0156
High Rate Money Market - $500k2.762.762.761.893.500.75-87
High Rate Money Market - $1 million2.762.762.762.043.500.75-72
Money Market - $1 million0.843.800.011.413.900.0157
Youth/Student Savings   0.250.250.25 
High Rate Savings1.383.900.022.565.000.10118
Regular Savings0.345.000.010.245.000.01-10
New Auto - 24 Mo6.8710.174.944.617.052.99-225
New Auto - 36 Mo6.7511.002.994.687.052.99-207
New Auto - 48 Mo6.7510.502.994.879.242.99-188
New Auto - 60 Mo6.8210.172.994.969.242.99-186
New Auto - 72 Mo6.6710.172.995.179.242.99-150
New Auto - 84 Mo6.598.994.945.547.742.99-104
Used Auto - 24 Mo7.0710.624.944.887.042.99-219
Used Auto - 36 Mo7.0413.002.994.989.492.99-206
Used Auto - 48 Mo7.0410.622.995.097.252.99-194
Used Auto - 60 Mo6.9310.622.995.207.252.99-174
Used Auto - 72 Mo6.8410.622.995.447.342.99-140
Used Auto - 84 Mo6.738.994.945.727.992.99-102
Used Boat-60 Mo7.499.846.097.1911.242.99-30
New Boat-60 Mo8.0710.752.996.9411.792.99-113
Rewards Credit Card16.6620.498.5013.7619.248.50-289
Credit Card Platinum15.6919.495.3511.9617.995.35-373
Credit Card Classic15.4823.749.7413.2723.997.00-221
Home Equity - LOC 80%7.1810.104.996.8118.004.99-38
Home Equity - 5 Yr 80%7.2810.055.106.639.004.50-66
Home Equity - 10 Yr 80%7.489.925.756.869.384.99-62
Home Equity - 15 Yr 80%7.318.745.887.179.505.50-14
7 Yr ARM6.1907.5001.0006.1367.0961.000-5
3 Yr ARM5.9117.7071.0005.9138.1251.0000
5 Yr ARM6.5388.1535.5006.1707.0772.875-37
15 Yr Fixed6.1906.5005.2506.2206.8314.0003
20 Yr Fixed6.5726.9266.1296.3576.9743.375-21
30 Yr Fixed6.6267.6255.8006.6957.5005.5007
15 Yr Fixed-Jumbo6.4706.3426.3426.1116.9155.290-36
20 Yr Fixed-Jumbo7.0316.9276.9276.0075.9075.907-102
7 Yr ARM-Jumbo6.6066.5286.5286.0405.9655.965-57
5 Yr ARM-Jumbo6.5656.4876.4876.3416.3756.154-22
3 Yr ARM-Jumbo5.8895.8145.814 
30 Yr Fixed-Jumbo7.0706.9906.9906.2256.5005.814-84
Used Motorcycle-60 Mo9.2410.997.497.0911.992.99-215
New Motorcycle-60 Mo8.749.997.496.8511.992.99-189
Used Motorhome-60 Mo7.899.846.347.2110.992.99-69
New Motorhome-60 Mo8.0110.752.997.0011.792.99-101
Unsecured - 36 Mo12.2919.756.7410.5718.006.00-172
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* Represents the difference in the average rate between banks and credit unions.