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 - $10k1.494.400.011.995.330.0550
6 Mo CD - $10k1.635.100.012.604.790.0596
9 Mo CD - $10k1.655.200.013.109.000.10144
1 Yr CD - $10k1.794.750.012.774.300.1098
18 Mo CD - $10k1.474.300.013.025.330.10155
2 Yr CD - $10k1.644.300.012.784.160.10114
30 Mo CD - $10k1.183.940.012.633.900.20145
3 Yr CD - $10k1.414.300.012.674.250.10126
4 Yr CD - $10k1.464.400.012.644.250.10118
5 Yr CD - $10k1.544.400.012.724.150.10118
3 Mo CD - $100k1.534.400.012.085.330.0555
6 Mo CD - $100k1.655.100.012.654.750.05100
9 Mo CD - $100k1.685.000.013.129.000.10143
1 Yr CD - $100k1.834.750.012.834.270.1099
18 Mo CD - $100k1.504.300.012.995.330.15149
2 Yr CD - $100k1.664.300.012.844.160.10119
30 Mo CD - $100k1.193.940.012.673.860.20148
3 Yr CD - $100k1.464.300.012.724.350.20126
4 Yr CD - $100k1.494.400.012.644.350.20115
5 Yr CD - $100k1.534.400.012.744.250.20120
Youth/Student Checking   0.100.100.10 
High Rate Checking1.284.000.013.027.000.15173
Basic Checking0.121.980.000.425.250.0129
HSA - $1k0.100.100.100.010.010.01-9
HSA - $10k0.150.150.150.010.010.01-14
HSA - $25k0.250.250.250.010.010.01-24
IRA - 1 Year - $10k1.654.400.012.824.320.10117
IRA - 1 Year - $100k2.284.500.012.794.320.1052
IRA - Liquid - $10k0.544.000.010.534.080.01-1
IRA - Liquid - $100k0.643.500.010.694.080.016
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.513.750.010.562.780.016
Money Market - $10k0.653.800.010.642.780.01-1
High Rate Money Market - $10k0.763.440.021.413.200.2565
High Rate Money Market - $25k0.893.580.021.493.200.2560
Money Market - $25k0.823.800.010.752.780.01-7
Money Market - $50k0.913.800.010.852.780.01-6
High Rate Money Market - $50k0.933.580.021.983.200.25106
High Rate Money Market - $100k0.953.580.022.083.200.40113
Money Market - $100k1.043.800.010.962.780.01-8
Money Market - $250k1.083.800.011.033.000.01-5
High Rate Money Market - $250k1.003.580.052.363.500.25135
Money Market - $500k1.284.650.010.993.300.01-28
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 million1.264.650.011.053.300.01-20
Youth/Student Savings   5.005.005.00 
High Rate Savings1.683.400.022.095.000.1041
Regular Savings0.384.100.010.204.080.01-18
New Auto - 24 Mo6.498.994.994.797.592.99-170
New Auto - 36 Mo6.859.263.994.788.002.99-207
New Auto - 48 Mo6.929.263.994.918.002.99-201
New Auto - 60 Mo6.959.624.245.048.003.29-192
New Auto - 72 Mo7.2110.025.245.378.003.49-184
New Auto - 84 Mo7.249.995.895.827.593.70-142
Used Auto - 24 Mo6.838.995.395.117.593.49-172
Used Auto - 36 Mo7.209.265.245.069.003.49-214
Used Auto - 48 Mo7.259.755.245.189.003.49-206
Used Auto - 60 Mo7.309.625.245.319.003.69-199
Used Auto - 72 Mo7.3510.025.695.649.503.70-171
Used Auto - 84 Mo7.138.995.896.037.593.70-109
Used Boat-60 Mo8.159.996.097.3011.504.49-85
New Boat-60 Mo8.6713.495.007.0011.494.40-167
Rewards Credit Card17.3820.499.2513.1718.497.50-422
Credit Card Platinum17.0429.742.0012.1518.002.00-489
Credit Card Classic16.7828.245.9012.1228.244.99-466
Home Equity - LOC 80%7.1010.995.006.8316.953.49-26
Home Equity - 5 Yr 80%6.8410.375.996.2911.004.00-56
Home Equity - 10 Yr 80%7.0810.365.996.5811.004.80-50
Home Equity - 15 Yr 80%7.2210.395.996.7811.253.75-44
7 Yr ARM6.4898.0005.3756.4337.5515.125-6
3 Yr ARM6.0926.9005.3756.4728.0005.00038
5 Yr ARM6.2977.7505.2506.2576.8525.250-4
15 Yr Fixed6.3217.5005.3026.1566.9905.000-16
20 Yr Fixed6.6277.1796.1296.6586.8325.7503
30 Yr Fixed6.7427.5006.0006.5827.0485.500-16
15 Yr Fixed-Jumbo6.4786.3506.3506.0225.8965.896-46
20 Yr Fixed-Jumbo7.0316.9276.9276.1166.0166.016-91
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.9836.4526.3756.375-61
Used Motorcycle-60 Mo7.669.006.196.7810.054.49-88
New Motorcycle-60 Mo7.249.005.696.479.144.49-77
Used Motorhome-60 Mo8.4610.506.347.3811.244.49-109
New Motorhome-60 Mo8.6313.495.007.0511.744.40-158
Student Loan-10 Year7.057.057.05    
Unsecured - 36 Mo11.1018.256.749.5218.002.75-158
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* Represents the difference in the average rate between banks and credit unions.