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 - $10k1.353.500.052.043.740.2069
6 Mo CD - $10k1.783.950.033.353.930.25157
9 Mo CD - $10k2.106.910.033.284.000.25118
1 Yr CD - $10k1.973.850.033.484.030.35150
18 Mo CD - $10k1.383.770.033.303.980.35192
2 Yr CD - $10k1.483.770.033.333.930.40186
30 Mo CD - $10k1.116.910.032.683.780.40157
3 Yr CD - $10k1.123.440.033.253.830.60213
4 Yr CD - $10k1.153.390.033.254.200.60210
5 Yr CD - $10k1.153.750.033.244.000.75209
3 Mo CD - $100k1.353.500.052.043.740.2070
6 Mo CD - $100k1.773.950.033.363.980.25159
9 Mo CD - $100k2.106.910.033.314.000.25121
1 Yr CD - $100k1.973.850.033.484.030.35151
18 Mo CD - $100k1.515.050.033.313.980.35180
2 Yr CD - $100k1.463.770.033.344.030.40188
30 Mo CD - $100k1.166.910.032.703.830.40154
3 Yr CD - $100k1.163.440.033.273.880.60211
4 Yr CD - $100k1.193.390.033.253.930.60206
5 Yr CD - $100k1.173.750.033.264.000.75209
High Rate Checking0.030.040.013.495.250.50347
Basic Checking0.040.100.010.263.040.0122
HSA - $1k0.280.500.05    
HSA - $10k0.300.500.10    
HSA - $25k1.001.500.50    
IRA - 1 Year - $10k2.043.780.033.494.610.35145
IRA - 1 Year - $100k1.813.250.033.414.610.35161
IRA - Liquid - $10k0.372.750.010.874.700.0550
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 - $10k0.382.000.011.352.720.0597
High Rate Money Market - $10k0.301.750.010.380.500.258
High Rate Money Market - $25k0.491.750.050.801.340.2530
Money Market - $25k0.502.000.011.532.720.10102
Money Market - $50k0.632.150.011.722.720.10109
High Rate Money Market - $50k0.732.000.050.911.390.2518
High Rate Money Market - $100k0.943.000.101.822.621.3589
Money Market - $100k0.823.250.051.992.910.10117
Money Market - $250k0.983.500.052.263.200.75128
High Rate Money Market - $250k0.943.000.102.003.111.35107
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 Savings1.452.250.043.455.252.50200
Regular Savings0.132.750.010.100.350.01-3
New Auto - 24 Mo7.2810.045.144.576.993.89-271
New Auto - 36 Mo7.449.755.144.746.993.89-270
New Auto - 48 Mo7.4710.415.144.897.493.99-258
New Auto - 60 Mo7.6510.255.145.027.493.99-262
New Auto - 72 Mo8.0910.885.405.357.994.09-275
New Auto - 84 Mo7.749.995.896.047.994.25-170
Used Auto - 24 Mo7.3610.395.344.706.993.99-266
Used Auto - 36 Mo7.9610.615.344.806.993.99-316
Used Auto - 48 Mo8.1212.505.344.957.493.99-316
Used Auto - 60 Mo8.2212.505.345.097.493.99-313
Used Auto - 72 Mo8.1912.505.755.417.994.29-277
Used Auto - 84 Mo7.148.995.896.397.994.74-75
Used Boat-60 Mo9.5213.186.098.1218.005.24-139
New Boat-60 Mo8.7112.806.096.5918.004.50-211
Rewards Credit Card17.5320.4914.7413.3417.756.99-418
Credit Card Platinum16.6318.499.7411.6317.246.90-500
Credit Card Classic15.1820.4911.5011.6615.508.90-352
Home Equity - LOC 80%7.179.396.246.8918.005.50-28
Home Equity - 5 Yr 80%7.289.875.756.197.345.24-108
Home Equity - 10 Yr 80%7.569.866.506.467.885.50-110
Home Equity - 15 Yr 80%7.589.896.636.948.295.50-64
7 Yr ARM6.6587.4406.2506.4956.9105.750-16
3 Yr ARM6.5907.4496.1256.3056.8895.250-28
5 Yr ARM6.4877.4465.9506.4376.8745.250-5
15 Yr Fixed6.3617.0005.7506.3757.0005.5001
20 Yr Fixed6.8007.0386.4646.8617.0426.5466
30 Yr Fixed6.6987.6256.0006.9368.0006.00024
15 Yr Fixed-Jumbo6.3626.2966.202 
20 Yr Fixed-Jumbo6.6886.6576.537 
7 Yr ARM-Jumbo6.3886.3206.320 
5 Yr ARM-Jumbo6.3936.3256.325 
30 Yr Fixed-Jumbo6.7556.8446.527 
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 Mo8.5512.806.346.4218.004.49-213
Unsecured - 36 Mo13.1925.176.9910.4415.745.25-275
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* Represents the difference in the average rate between banks and credit unions.