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 - $10k1.293.500.052.043.700.2075
6 Mo CD - $10k1.794.000.033.364.050.25157
9 Mo CD - $10k1.966.910.033.314.000.25135
1 Yr CD - $10k1.984.100.033.504.030.35152
18 Mo CD - $10k1.523.770.033.333.980.35180
2 Yr CD - $10k1.543.770.033.373.930.40183
30 Mo CD - $10k1.186.910.032.683.780.40150
3 Yr CD - $10k1.343.440.033.293.880.60196
4 Yr CD - $10k1.313.390.033.294.200.60198
5 Yr CD - $10k1.213.750.033.284.000.75206
3 Mo CD - $100k1.293.500.052.053.700.2075
6 Mo CD - $100k1.804.000.033.374.050.25157
9 Mo CD - $100k1.966.910.033.344.000.25138
1 Yr CD - $100k1.984.100.033.504.030.35153
18 Mo CD - $100k1.635.050.033.343.980.35170
2 Yr CD - $100k1.543.770.033.384.030.40184
30 Mo CD - $100k1.256.910.032.703.830.40145
3 Yr CD - $100k1.343.440.033.313.920.60197
4 Yr CD - $100k1.343.390.033.293.970.60194
5 Yr CD - $100k1.223.750.033.294.020.75207
High Rate Checking0.030.040.014.186.002.50416
Basic Checking0.040.100.010.263.040.0122
HSA - $1k0.220.500.05    
HSA - $10k0.250.500.10    
HSA - $25k0.751.500.25    
IRA - 1 Year - $10k1.984.030.023.514.610.35153
IRA - 1 Year - $100k1.613.250.033.454.610.35184
IRA - Liquid - $10k0.272.380.010.874.700.0560
IRA - Liquid - $100k0.452.380.010.954.700.0550
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.352.000.011.213.600.0186
Money Market - $10k0.362.000.011.352.720.0599
High Rate Money Market - $10k0.301.750.010.380.500.258
High Rate Money Market - $25k0.491.750.050.801.340.2530
Money Market - $25k0.472.000.011.532.720.10105
Money Market - $50k0.592.150.011.722.720.10113
High Rate Money Market - $50k0.732.000.050.911.390.2518
High Rate Money Market - $100k0.943.000.101.822.621.3589
Money Market - $100k0.783.250.051.992.910.10121
Money Market - $250k0.923.500.052.263.200.75133
High Rate Money Market - $250k0.943.000.102.003.111.35107
Money Market - $500k0.853.560.052.313.901.00146
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.973.560.052.363.901.00139
High Rate Savings1.703.000.043.455.252.50175
Regular Savings0.132.750.010.100.350.01-3
New Auto - 24 Mo7.2510.045.194.576.993.89-268
New Auto - 36 Mo7.439.755.184.756.993.89-268
New Auto - 48 Mo7.469.885.194.887.493.99-258
New Auto - 60 Mo7.6410.255.185.027.493.99-262
New Auto - 72 Mo8.1210.886.005.347.994.09-278
New Auto - 84 Mo7.749.995.895.947.994.25-180
Used Auto - 24 Mo7.4110.395.394.706.993.99-271
Used Auto - 36 Mo7.949.995.394.816.993.99-313
Used Auto - 48 Mo8.0912.505.184.967.493.99-312
Used Auto - 60 Mo8.2212.505.395.107.493.99-312
Used Auto - 72 Mo8.2112.505.895.427.994.29-279
Used Auto - 84 Mo7.148.995.896.287.994.74-87
Used Boat-60 Mo9.5213.186.098.1218.005.24-139
New Boat-60 Mo8.6212.256.096.6018.004.50-202
Rewards Credit Card17.6520.4915.0013.2117.756.99-444
Credit Card Platinum16.6318.499.7411.4417.246.90-518
Credit Card Classic15.1820.4911.5011.7715.508.90-341
Home Equity - LOC 80%7.159.256.246.8918.005.50-26
Home Equity - 5 Yr 80%7.299.875.756.247.345.24-105
Home Equity - 10 Yr 80%7.589.866.506.527.885.50-106
Home Equity - 15 Yr 80%7.609.896.636.948.295.50-66
7 Yr ARM6.7077.4406.3756.5166.9775.750-19
3 Yr ARM6.5217.5015.7506.3326.8895.250-19
5 Yr ARM6.4347.4465.9906.4016.9255.250-3
15 Yr Fixed6.4446.8755.7506.3957.0005.500-5
20 Yr Fixed6.9217.0686.4647.0227.1736.54610
30 Yr Fixed6.7647.1256.0006.9208.0005.87516
15 Yr Fixed-Jumbo6.4506.3506.296 
20 Yr Fixed-Jumbo6.8986.9276.662 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo6.8976.9836.652 
Used Motorcycle-60 Mo10.1913.187.497.1310.994.75-306
New Motorcycle-60 Mo8.909.907.496.8710.994.25-204
Used Motorhome-60 Mo8.269.906.347.9618.005.24-30
New Motorhome-60 Mo8.5212.256.346.4218.004.49-210
Unsecured - 36 Mo12.9118.256.9910.5315.995.25-238
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* Represents the difference in the average rate between banks and credit unions.