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 - $10k1.813.730.011.863.250.206
6 Mo CD - $10k2.054.000.012.254.000.2520
9 Mo CD - $10k2.104.250.012.694.750.2559
1 Yr CD - $10k2.163.850.012.414.000.3524
18 Mo CD - $10k1.843.780.012.153.350.3531
2 Yr CD - $10k1.563.750.012.433.600.4088
30 Mo CD - $10k0.773.450.012.043.250.40126
3 Yr CD - $10k1.344.000.012.403.300.60106
4 Yr CD - $10k1.213.600.012.473.350.60126
5 Yr CD - $10k1.364.000.012.583.400.75121
3 Mo CD - $100k1.813.730.012.223.250.2041
6 Mo CD - $100k2.054.000.012.274.000.2522
9 Mo CD - $100k2.104.250.012.564.750.2545
1 Yr CD - $100k2.163.850.012.434.000.3526
18 Mo CD - $100k1.935.050.012.173.500.3524
2 Yr CD - $100k1.563.750.012.503.600.4094
30 Mo CD - $100k0.933.600.011.983.250.40105
3 Yr CD - $100k1.344.000.012.423.300.60108
4 Yr CD - $100k1.253.600.012.503.500.60125
5 Yr CD - $100k1.374.000.012.603.500.75123
High Rate Checking1.024.000.011.974.500.0595
Basic Checking0.030.100.010.090.200.016
HSA - $1k0.070.100.030.200.200.2014
HSA - $10k0.090.150.030.450.500.4036
HSA - $25k0.140.250.030.580.750.4044
IRA - 1 Year - $10k1.953.780.012.424.610.3547
IRA - 1 Year - $100k2.304.000.012.444.610.3514
IRA - Liquid - $10k0.383.200.010.644.700.0126
IRA - Liquid - $100k0.170.590.010.884.700.0171
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.191.120.010.511.710.0132
Money Market - $10k0.221.150.010.551.710.0533
High Rate Money Market - $10k0.482.960.010.701.000.5522
High Rate Money Market - $25k0.583.200.011.651.981.00108
Money Market - $25k0.301.150.010.741.950.0544
Money Market - $50k0.462.230.010.822.000.1036
High Rate Money Market - $50k0.693.450.011.852.231.11116
High Rate Money Market - $100k0.813.450.012.182.471.61137
Money Market - $100k0.613.250.011.273.130.1066
Money Market - $250k0.693.500.011.483.250.2579
High Rate Money Market - $250k0.843.450.012.322.472.02148
Money Market - $500k0.613.560.011.613.500.25101
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 million0.653.560.011.663.500.25101
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6210.045.194.785.293.99-284
New Auto - 36 Mo7.659.995.194.795.743.99-286
New Auto - 48 Mo7.669.995.194.865.744.24-280
New Auto - 60 Mo7.8210.255.194.915.994.24-291
New Auto - 72 Mo7.9810.885.895.196.244.24-279
New Auto - 84 Mo8.209.995.896.036.994.24-216
Used Auto - 24 Mo7.8710.395.394.925.604.24-295
Used Auto - 36 Mo8.1710.995.394.905.744.24-327
Used Auto - 48 Mo8.1110.995.394.975.744.24-314
Used Auto - 60 Mo8.1810.995.395.025.994.24-316
Used Auto - 72 Mo7.9710.025.895.316.294.24-266
Used Auto - 84 Mo7.858.995.896.076.994.24-178
Used Boat-60 Mo9.4413.186.098.3810.245.35-106
New Boat-60 Mo8.9912.256.098.5210.245.35-47
Rewards Credit Card17.7520.2414.4915.1917.745.75-256
Credit Card Platinum17.0220.2414.4912.4217.994.00-460
Credit Card Classic16.2720.2413.7413.7018.4511.65-257
Home Equity - LOC 80%6.728.850.257.1918.003.7547
Home Equity - 5 Yr 80%7.1210.995.596.9010.105.51-22
Home Equity - 10 Yr 80%7.4110.995.937.3911.006.00-2
Home Equity - 15 Yr 80%7.5710.996.387.7311.006.5016
7 Yr ARM6.7017.6565.7506.5817.0966.200-12
3 Yr ARM6.2617.5015.3756.4636.8895.69820
5 Yr ARM6.4027.6235.5006.3976.8525.823-1
15 Yr Fixed6.2876.6255.5006.3506.7155.5356
20 Yr Fixed6.8097.0386.4646.7817.0426.201-3
30 Yr Fixed6.7127.0006.0006.7917.0806.4718
15 Yr Fixed-Jumbo6.3546.3486.0386.4296.6006.1447
20 Yr Fixed-Jumbo6.9016.9336.6626.6606.6006.515-24
7 Yr ARM-Jumbo6.5476.4696.4696.5516.6436.3040
5 Yr ARM-Jumbo6.5336.4556.4556.4756.6236.191-6
30 Yr Fixed-Jumbo6.6776.9976.1486.9117.0666.60023
Used Motorcycle-60 Mo10.0413.187.498.0710.995.35-197
New Motorcycle-60 Mo9.019.757.497.9410.995.35-107
Used Motorhome-60 Mo8.699.736.348.3510.245.35-34
New Motorhome-60 Mo8.9612.256.348.5010.245.35-46
Student Loan-10 Year7.057.057.056.006.006.00-105
Unsecured - 36 Mo12.2217.206.9911.0413.998.64-118
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* Represents the difference in the average rate between banks and credit unions.