RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 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 - $10k1.563.920.011.965.330.0540
6 Mo CD - $10k1.685.100.012.579.000.0589
9 Mo CD - $10k1.605.200.013.015.330.10141
1 Yr CD - $10k1.744.750.012.694.300.1095
18 Mo CD - $10k1.414.090.012.875.330.10146
2 Yr CD - $10k1.594.160.012.663.990.10107
30 Mo CD - $10k1.183.940.012.533.900.20136
3 Yr CD - $10k1.444.130.012.623.870.10118
4 Yr CD - $10k1.414.130.012.544.200.10114
5 Yr CD - $10k1.524.150.012.654.000.10113
3 Mo CD - $100k1.523.920.012.055.330.0553
6 Mo CD - $100k1.705.100.012.639.000.0593
9 Mo CD - $100k1.605.000.013.035.330.10143
1 Yr CD - $100k1.784.750.012.744.240.1096
18 Mo CD - $100k1.444.090.012.865.330.15142
2 Yr CD - $100k1.634.160.012.723.970.10109
30 Mo CD - $100k1.223.940.012.563.860.20134
3 Yr CD - $100k1.454.130.012.673.940.20122
4 Yr CD - $100k1.444.130.012.563.900.20112
5 Yr CD - $100k1.514.130.012.654.000.20115
Youth/Student Checking   0.100.100.10 
High Rate Checking1.204.000.013.007.000.15180
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 - $10k1.564.000.012.694.320.10114
IRA - 1 Year - $100k2.073.900.012.664.320.1059
IRA - Liquid - $10k0.554.000.010.534.080.01-1
IRA - Liquid - $100k0.663.500.010.704.080.014
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.463.750.010.542.780.019
Money Market - $10k0.553.800.010.622.780.017
High Rate Money Market - $10k0.573.000.021.423.300.2586
High Rate Money Market - $25k0.713.000.021.513.300.2580
Money Market - $25k0.733.800.010.722.780.01-1
Money Market - $50k0.843.800.010.822.780.01-2
High Rate Money Market - $50k0.753.000.021.993.300.25124
High Rate Money Market - $100k0.813.000.022.093.300.40127
Money Market - $100k0.963.800.010.932.780.01-3
Money Market - $250k1.043.800.011.013.000.01-3
High Rate Money Market - $250k0.843.000.052.373.500.25153
Money Market - $500k1.194.650.011.013.300.01-17
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 million1.164.650.011.083.300.01-9
Youth/Student Savings   5.005.005.00 
High Rate Savings1.873.500.022.145.000.1028
Regular Savings0.334.100.010.204.080.01-13
New Auto - 24 Mo6.528.994.704.847.592.99-168
New Auto - 36 Mo6.899.393.994.798.492.99-210
New Auto - 48 Mo6.949.393.994.928.492.99-202
New Auto - 60 Mo7.019.624.245.068.993.29-195
New Auto - 72 Mo7.2110.025.245.408.993.70-181
New Auto - 84 Mo7.269.995.645.897.593.70-137
Used Auto - 24 Mo6.858.995.225.167.593.49-170
Used Auto - 36 Mo7.279.395.005.079.003.49-220
Used Auto - 48 Mo7.309.755.245.209.003.49-210
Used Auto - 60 Mo7.359.625.245.339.003.69-201
Used Auto - 72 Mo7.4110.025.525.659.503.70-176
Used Auto - 84 Mo7.228.995.646.117.593.70-112
Used Boat-60 Mo8.129.995.997.3211.504.49-80
New Boat-60 Mo8.5613.495.007.0011.494.40-156
Rewards Credit Card17.6323.499.2513.1518.497.50-448
Credit Card Platinum16.8428.992.0012.1718.002.00-468
Credit Card Classic17.0328.245.9012.0628.244.99-497
Home Equity - LOC 80%7.2010.995.006.8116.951.99-39
Home Equity - 5 Yr 80%6.8010.375.996.2911.004.00-51
Home Equity - 10 Yr 80%7.0610.365.996.5811.004.75-48
Home Equity - 15 Yr 80%7.2510.395.996.7911.253.75-46
7 Yr ARM6.4308.0005.3756.3777.5515.125-5
3 Yr ARM5.9806.9005.2506.5138.0005.67253
5 Yr ARM6.2287.7505.2506.1666.8525.250-6
15 Yr Fixed6.0977.3755.2506.0377.0004.875-6
20 Yr Fixed6.5117.1795.8706.5897.5005.5008
30 Yr Fixed6.5087.5005.7506.4397.5005.500-7
15 Yr Fixed-Jumbo6.3306.2156.2156.0105.8965.896-32
20 Yr Fixed-Jumbo6.6116.5196.5196.1076.0166.016-50
7 Yr ARM-Jumbo6.4016.3326.332 
5 Yr ARM-Jumbo6.3266.2576.257 
30 Yr Fixed-Jumbo7.0046.9326.9326.4456.3756.375-56
Used Motorcycle-60 Mo7.669.006.196.9010.054.49-76
New Motorcycle-60 Mo7.249.005.696.599.144.49-65
Used Motorhome-60 Mo8.3910.006.247.4011.244.49-99
New Motorhome-60 Mo8.5913.495.007.0511.744.40-155
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.1418.256.749.4218.002.75-172
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* Represents the difference in the average rate between banks and credit unions.