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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.743.730.012.183.750.2044
6 Mo CD - $10k2.084.000.012.334.000.2525
9 Mo CD - $10k2.034.250.012.454.750.2542
1 Yr CD - $10k2.163.850.012.374.000.3522
18 Mo CD - $10k1.823.690.012.153.350.3533
2 Yr CD - $10k1.543.680.012.433.250.4088
30 Mo CD - $10k0.773.450.012.043.250.40126
3 Yr CD - $10k1.283.700.012.373.300.60108
4 Yr CD - $10k1.163.600.012.443.350.60128
5 Yr CD - $10k1.323.750.012.533.400.75121
3 Mo CD - $100k1.743.730.012.274.000.2054
6 Mo CD - $100k2.084.000.012.354.000.2527
9 Mo CD - $100k2.034.250.012.474.750.2544
1 Yr CD - $100k2.163.850.012.404.000.3523
18 Mo CD - $100k1.905.050.012.173.500.3526
2 Yr CD - $100k1.553.680.012.453.250.4090
30 Mo CD - $100k0.933.600.011.983.250.40105
3 Yr CD - $100k1.283.700.012.393.300.60110
4 Yr CD - $100k1.193.600.012.463.500.60128
5 Yr CD - $100k1.323.750.012.553.500.75123
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 - $10k2.003.780.012.414.610.3541
IRA - 1 Year - $100k2.414.000.012.424.610.352
IRA - Liquid - $10k0.383.200.010.634.700.0125
IRA - Liquid - $100k0.170.590.010.884.700.0172
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 - $10k0.333.150.010.701.000.5537
High Rate Money Market - $25k0.513.150.011.651.981.00114
Money Market - $25k0.311.250.010.741.950.0543
Money Market - $50k0.482.230.010.822.000.1035
High Rate Money Market - $50k0.703.440.011.852.231.11115
High Rate Money Market - $100k0.823.440.012.182.471.61136
Money Market - $100k0.643.250.011.273.130.1063
Money Market - $250k0.733.500.011.473.250.2574
High Rate Money Market - $250k0.853.440.012.322.472.02147
Money Market - $500k0.643.560.011.593.500.2594
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 million0.693.560.011.633.500.2594
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.5810.045.144.815.453.99-278
New Auto - 36 Mo7.659.995.144.845.993.99-281
New Auto - 48 Mo7.669.995.144.895.994.24-277
New Auto - 60 Mo7.8210.255.144.956.244.24-287
New Auto - 72 Mo7.9810.885.895.236.494.24-275
New Auto - 84 Mo8.209.995.896.067.244.24-214
Used Auto - 24 Mo7.8310.395.344.996.704.24-284
Used Auto - 36 Mo8.1510.995.344.986.704.24-317
Used Auto - 48 Mo8.0810.995.345.036.704.24-305
Used Auto - 60 Mo8.1510.995.345.096.704.24-306
Used Auto - 72 Mo8.0010.025.895.376.754.24-263
Used Auto - 84 Mo7.858.995.896.107.244.24-175
Used Boat-60 Mo9.4413.186.098.3910.245.50-105
New Boat-60 Mo8.9912.256.098.5310.245.50-46
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%6.739.100.257.1918.003.7545
Home Equity - 5 Yr 80%7.1610.995.596.9010.105.51-26
Home Equity - 10 Yr 80%7.4410.995.937.3911.006.00-5
Home Equity - 15 Yr 80%7.6210.996.387.7311.006.5011
7 Yr ARM6.7037.6565.7506.6037.0966.245-10
3 Yr ARM6.1767.4495.2506.3906.8895.57221
5 Yr ARM6.4537.6235.5006.3576.8525.748-10
15 Yr Fixed6.1976.8755.5006.2396.7005.5354
20 Yr Fixed6.6927.0386.2276.6037.0426.107-9
30 Yr Fixed6.6127.2506.0006.6816.9606.2187
15 Yr Fixed-Jumbo6.3066.2966.0386.1746.3465.912-13
20 Yr Fixed-Jumbo6.7066.6926.5376.3976.3466.268-31
7 Yr ARM-Jumbo6.4146.3466.3466.5476.5816.37513
5 Yr ARM-Jumbo6.4156.3476.3476.4486.5966.1913
30 Yr Fixed-Jumbo6.6146.9596.1486.7157.0666.34610
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 Mo8.699.736.348.3610.245.50-33
New Motorhome-60 Mo8.9512.256.348.5110.245.50-44
Student Loan-10 Year7.067.067.066.006.006.00-106
Unsecured - 36 Mo12.2417.206.9911.0913.498.64-115
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* Represents the difference in the average rate between banks and credit unions.