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 - $10k1.243.160.052.064.030.2082
6 Mo CD - $10k1.723.950.033.333.980.25161
9 Mo CD - $10k1.696.910.033.254.000.25156
1 Yr CD - $10k1.873.850.033.484.000.35161
18 Mo CD - $10k1.143.680.033.303.880.35215
2 Yr CD - $10k1.413.630.033.333.850.40192
30 Mo CD - $10k1.106.910.032.663.590.40155
3 Yr CD - $10k1.123.770.033.203.800.60208
4 Yr CD - $10k1.163.390.033.204.200.60204
5 Yr CD - $10k1.123.750.033.194.000.75208
3 Mo CD - $100k1.243.160.052.074.030.2083
6 Mo CD - $100k1.723.950.033.343.980.25162
9 Mo CD - $100k1.696.910.033.284.000.25159
1 Yr CD - $100k1.873.850.033.484.000.35161
18 Mo CD - $100k1.285.050.033.303.880.35203
2 Yr CD - $100k1.413.630.033.343.880.40192
30 Mo CD - $100k1.166.910.032.673.590.40151
3 Yr CD - $100k1.123.770.033.223.880.60210
4 Yr CD - $100k1.183.390.033.203.930.60201
5 Yr CD - $100k1.123.750.033.214.000.75208
High Rate Checking0.030.040.013.495.250.50347
Basic Checking0.040.100.010.263.040.0122
IRA - 1 Year - $10k2.083.780.153.494.610.35141
IRA - 1 Year - $100k2.133.510.053.404.610.35127
IRA - Liquid - $10k0.272.380.010.874.700.0560
IRA - Liquid - $100k0.452.380.010.984.700.0554
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.362.000.011.163.600.0180
Money Market - $10k0.372.000.011.352.720.0597
High Rate Money Market - $10k0.281.750.010.380.500.2510
High Rate Money Market - $25k0.461.750.050.801.340.2534
Money Market - $25k0.502.000.011.522.720.10103
Money Market - $50k0.622.150.011.722.720.10110
High Rate Money Market - $50k0.692.000.050.911.390.2523
High Rate Money Market - $100k0.983.000.101.822.621.3584
Money Market - $100k0.823.300.051.992.860.10117
Money Market - $250k0.973.560.052.253.200.75127
High Rate Money Market - $250k0.983.000.102.003.111.35102
Money Market - $500k0.903.560.052.303.901.00140
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million1.033.560.052.363.901.00132
High Rate Savings1.152.250.043.625.252.60247
Regular Savings0.132.750.010.100.350.01-3
New Auto - 24 Mo7.2310.045.444.597.493.89-264
New Auto - 36 Mo7.449.755.444.747.493.89-270
New Auto - 48 Mo7.429.755.184.867.993.99-257
New Auto - 60 Mo7.619.625.444.977.993.99-264
New Auto - 72 Mo8.0210.025.405.368.494.25-265
New Auto - 84 Mo7.749.995.896.058.494.25-169
Used Auto - 24 Mo7.3910.395.644.727.493.99-267
Used Auto - 36 Mo7.939.755.504.817.493.99-312
Used Auto - 48 Mo8.0712.505.504.937.993.99-314
Used Auto - 60 Mo8.2812.505.505.047.993.99-323
Used Auto - 72 Mo8.1912.505.755.438.494.29-276
Used Auto - 84 Mo7.148.995.896.388.494.74-77
Used Boat-60 Mo9.4913.185.998.1218.004.99-137
New Boat-60 Mo8.6212.255.996.5418.004.50-208
Rewards Credit Card17.5320.4915.0013.3417.756.99-418
Credit Card Platinum16.6318.499.7411.6317.246.90-500
Credit Card Classic14.6320.4911.5011.6615.508.90-297
Home Equity - LOC 80%7.219.256.506.8918.005.50-33
Home Equity - 5 Yr 80%7.289.875.756.067.344.75-123
Home Equity - 10 Yr 80%7.589.866.636.337.885.25-125
Home Equity - 15 Yr 80%7.599.896.636.808.295.50-79
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 Mo10.1913.187.497.1510.994.75-304
New Motorcycle-60 Mo8.909.907.496.8910.994.25-201
Used Motorhome-60 Mo8.239.906.247.9618.004.99-27
New Motorhome-60 Mo8.5112.256.246.3818.004.49-213
Unsecured - 36 Mo13.3925.176.9910.3715.745.25-301
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* Represents the difference in the average rate between banks and credit unions.