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.

Sort by Product  / State

New York

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.533.920.011.975.330.0544
6 Mo CD - $10k1.675.100.012.564.790.0590
9 Mo CD - $10k1.575.200.013.109.000.10153
1 Yr CD - $10k1.794.750.012.744.300.1095
18 Mo CD - $10k1.394.100.012.975.330.10158
2 Yr CD - $10k1.594.150.012.754.160.10116
30 Mo CD - $10k1.133.940.012.633.900.20150
3 Yr CD - $10k1.414.150.012.674.250.10126
4 Yr CD - $10k1.394.150.012.624.250.10122
5 Yr CD - $10k1.504.150.012.754.150.10125
3 Mo CD - $100k1.473.920.012.065.330.0558
6 Mo CD - $100k1.695.100.012.624.750.0592
9 Mo CD - $100k1.625.000.013.129.000.10150
1 Yr CD - $100k1.834.750.012.804.250.1097
18 Mo CD - $100k1.434.100.012.955.330.15152
2 Yr CD - $100k1.624.150.012.814.160.10119
30 Mo CD - $100k1.263.940.012.663.860.20141
3 Yr CD - $100k1.454.150.012.724.350.20127
4 Yr CD - $100k1.414.150.012.644.350.20123
5 Yr CD - $100k1.514.150.012.744.170.20123
Youth/Student Checking   0.100.100.10 
High Rate Checking1.284.000.013.027.000.15173
Basic Checking0.131.980.000.425.250.0128
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.614.150.012.774.320.10116
IRA - 1 Year - $100k2.084.250.012.764.320.1068
IRA - Liquid - $10k0.584.000.010.544.080.01-5
IRA - Liquid - $100k0.663.500.010.694.080.014
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.483.750.010.552.780.017
Money Market - $10k0.633.800.010.632.780.010
High Rate Money Market - $10k0.723.440.021.413.200.2569
High Rate Money Market - $25k0.903.580.021.493.200.2559
Money Market - $25k0.843.800.010.732.780.01-11
Money Market - $50k0.923.800.010.832.780.01-9
High Rate Money Market - $50k0.893.580.021.983.200.25109
High Rate Money Market - $100k0.983.580.022.083.200.40110
Money Market - $100k1.033.800.010.942.780.01-9
Money Market - $250k1.113.800.011.023.000.01-10
High Rate Money Market - $250k1.043.580.052.363.500.25132
Money Market - $500k1.254.650.011.003.300.01-25
High Rate Money Market - $500k1.723.000.102.174.000.7544
High Rate Money Market - $1 million1.793.250.102.984.001.95119
Money Market - $1 million1.234.650.011.063.300.01-17
Youth/Student Savings   5.005.005.00 
High Rate Savings1.823.400.022.095.000.1028
Regular Savings0.354.100.010.204.080.01-15
New Auto - 24 Mo6.518.994.854.797.592.99-172
New Auto - 36 Mo6.919.263.994.798.492.99-212
New Auto - 48 Mo6.999.263.994.928.492.99-207
New Auto - 60 Mo7.029.624.245.058.993.29-197
New Auto - 72 Mo7.1810.025.245.408.993.49-179
New Auto - 84 Mo7.279.995.645.837.593.49-144
Used Auto - 24 Mo6.858.995.345.117.593.49-173
Used Auto - 36 Mo7.249.265.245.089.003.49-216
Used Auto - 48 Mo7.359.755.245.209.003.49-215
Used Auto - 60 Mo7.349.625.245.339.003.69-201
Used Auto - 72 Mo7.3710.025.575.669.503.70-171
Used Auto - 84 Mo7.228.995.646.057.593.70-117
Used Boat-60 Mo8.159.996.097.2611.504.49-89
New Boat-60 Mo8.5813.495.256.9911.494.40-159
Rewards Credit Card17.6323.499.2513.1518.497.50-448
Credit Card Platinum16.9629.742.0012.1818.002.00-478
Credit Card Classic16.7528.245.9012.1028.244.99-465
Home Equity - LOC 80%7.0910.995.006.8416.953.49-25
Home Equity - 5 Yr 80%6.8410.375.996.2911.004.00-56
Home Equity - 10 Yr 80%7.0710.365.996.5911.004.70-48
Home Equity - 15 Yr 80%7.2510.395.996.7911.253.75-46
7 Yr ARM6.4098.0005.3756.3547.5515.125-5
3 Yr ARM6.0426.9005.3756.4778.0005.00044
5 Yr ARM6.2427.7505.2506.1896.8525.250-5
15 Yr Fixed6.1567.3755.2506.0616.9905.000-10
20 Yr Fixed6.5107.1795.8706.6037.5005.5969
30 Yr Fixed6.5607.5005.7506.5047.2615.500-6
15 Yr Fixed-Jumbo6.3156.2026.2026.0085.8965.896-31
20 Yr Fixed-Jumbo6.7496.6576.6576.1056.0166.016-64
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.9156.8446.8446.4446.3756.375-47
Used Motorcycle-60 Mo7.669.006.196.7910.054.49-87
New Motorcycle-60 Mo7.249.005.696.489.144.49-76
Used Motorhome-60 Mo8.4110.006.347.3611.244.49-105
New Motorhome-60 Mo8.6313.495.257.0411.744.40-159
Student Loan-10 Year7.067.067.06    
Unsecured - 36 Mo11.1218.256.749.4818.002.75-164
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.