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 - $10k1.703.930.012.183.750.2048
6 Mo CD - $10k2.034.000.012.334.000.2530
9 Mo CD - $10k1.954.250.012.454.750.2550
1 Yr CD - $10k2.033.850.012.374.000.3534
18 Mo CD - $10k1.743.630.012.153.350.3541
2 Yr CD - $10k1.513.680.012.433.250.4092
30 Mo CD - $10k0.773.450.012.043.250.40126
3 Yr CD - $10k1.233.350.012.373.300.60113
4 Yr CD - $10k1.153.300.012.443.350.60129
5 Yr CD - $10k1.263.350.012.533.400.75127
3 Mo CD - $100k1.703.930.012.274.000.2058
6 Mo CD - $100k2.034.000.012.354.000.2532
9 Mo CD - $100k1.964.250.012.474.750.2551
1 Yr CD - $100k2.043.850.012.404.000.3536
18 Mo CD - $100k1.835.050.012.173.500.3533
2 Yr CD - $100k1.513.680.012.453.250.4094
30 Mo CD - $100k0.933.600.011.983.250.40105
3 Yr CD - $100k1.243.350.012.393.300.60115
4 Yr CD - $100k1.183.300.012.463.500.60129
5 Yr CD - $100k1.273.350.012.553.500.75129
High Rate Checking1.024.000.011.974.500.0595
Basic Checking0.030.100.010.090.200.016
HSA - $1k   0.200.200.20 
HSA - $10k   0.450.500.40 
HSA - $25k   0.711.010.40 
IRA - 1 Year - $10k1.953.780.012.414.610.3547
IRA - 1 Year - $100k2.634.000.012.434.610.35-20
IRA - Liquid - $10k0.373.200.010.644.700.0127
IRA - Liquid - $100k0.170.590.010.914.700.0175
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.201.120.010.511.710.0131
Money Market - $10k0.231.150.010.551.710.0532
High Rate Money Market - $10k0.322.960.010.701.000.5538
High Rate Money Market - $25k0.532.960.011.651.981.00112
Money Market - $25k0.311.250.010.741.950.0543
Money Market - $50k0.482.230.010.832.250.1036
High Rate Money Market - $50k0.693.450.011.852.231.11116
High Rate Money Market - $100k0.813.450.012.182.471.61137
Money Market - $100k0.643.300.011.283.130.1064
Money Market - $250k0.733.560.011.493.250.2576
High Rate Money Market - $250k0.843.450.012.322.472.02148
Money Market - $500k0.643.560.011.633.500.2598
High Rate Money Market - $500k0.400.400.402.022.022.02162
High Rate Money Market - $1 million0.400.400.402.022.022.02162
Money Market - $1 million0.693.560.011.673.500.2598
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6110.045.444.805.453.99-281
New Auto - 36 Mo7.639.995.444.835.993.99-279
New Auto - 48 Mo7.659.995.444.895.994.24-275
New Auto - 60 Mo7.749.995.444.956.244.24-279
New Auto - 72 Mo7.8610.025.895.266.494.24-260
New Auto - 84 Mo8.209.995.896.097.244.24-211
Used Auto - 24 Mo7.8610.395.644.996.704.24-287
Used Auto - 36 Mo8.1510.995.644.986.704.24-317
Used Auto - 48 Mo8.0610.995.645.036.704.24-302
Used Auto - 60 Mo8.2210.995.645.086.704.24-314
Used Auto - 72 Mo7.9510.025.895.396.754.24-255
Used Auto - 84 Mo7.858.995.896.137.244.24-172
Used Boat-60 Mo9.4313.185.998.4110.245.50-102
New Boat-60 Mo8.9712.255.998.5410.245.50-43
Rewards Credit Card17.6420.2414.4914.9417.745.75-270
Credit Card Platinum17.0220.2414.4912.4217.994.00-460
Credit Card Classic15.7020.2413.2413.7018.4511.65-200
Home Equity - LOC 80%6.789.100.257.1318.003.7535
Home Equity - 5 Yr 80%7.1310.995.596.9310.105.75-21
Home Equity - 10 Yr 80%7.4110.995.937.3911.005.49-2
Home Equity - 15 Yr 80%7.5910.996.387.7011.006.4912
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 Mo10.0413.187.498.0810.995.50-196
New Motorcycle-60 Mo9.019.757.497.9510.995.50-106
Used Motorhome-60 Mo8.679.736.248.3810.245.50-29
New Motorhome-60 Mo8.9612.256.248.5210.245.50-44
Student Loan-10 Year6.106.106.106.006.006.00-10
Unsecured - 36 Mo12.3216.996.9910.9513.498.64-137
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* Represents the difference in the average rate between banks and credit unions.