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 - $10k1.133.580.011.795.330.0266
6 Mo CD - $10k1.834.110.012.844.100.45101
9 Mo CD - $10k1.994.210.013.359.001.23136
1 Yr CD - $10k2.024.250.013.134.550.35112
18 Mo CD - $10k1.574.160.012.985.330.05141
2 Yr CD - $10k1.784.160.013.064.500.45127
30 Mo CD - $10k1.283.680.012.484.000.25119
3 Yr CD - $10k1.593.680.013.084.300.55149
4 Yr CD - $10k1.463.680.013.074.300.80161
5 Yr CD - $10k1.613.680.013.074.380.83145
3 Mo CD - $100k1.293.580.012.095.330.0181
6 Mo CD - $100k1.844.110.012.814.100.1297
9 Mo CD - $100k2.094.210.013.359.001.23127
1 Yr CD - $100k2.104.250.013.105.150.25101
18 Mo CD - $100k1.674.160.013.085.331.13141
2 Yr CD - $100k1.914.160.013.014.550.09110
30 Mo CD - $100k1.363.680.012.393.700.25103
3 Yr CD - $100k1.693.680.013.034.350.12134
4 Yr CD - $100k1.483.680.013.034.300.80155
5 Yr CD - $100k1.723.680.013.064.380.83134
High Rate Checking0.030.040.012.886.000.35285
Basic Checking0.080.470.010.335.250.0125
IRA - 1 Year - $10k1.894.250.013.084.000.25119
IRA - 1 Year - $100k1.333.510.013.024.000.25169
IRA - Liquid - $10k0.171.660.010.463.760.0129
IRA - Liquid - $100k0.030.060.010.473.250.0144
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.422.290.010.622.020.0319
Money Market - $10k0.512.290.010.682.120.0317
High Rate Money Market - $10k   0.430.900.13 
High Rate Money Market - $25k0.050.050.050.480.950.2543
Money Market - $25k0.532.290.010.782.120.0525
Money Market - $50k0.572.290.010.892.120.0532
High Rate Money Market - $50k0.050.050.050.501.000.2545
High Rate Money Market - $100k0.070.070.071.001.500.2593
Money Market - $100k0.682.290.011.002.720.0532
Money Market - $250k0.672.290.011.073.690.0540
High Rate Money Market - $250k0.070.070.071.021.550.2595
Money Market - $500k0.532.290.010.992.150.0546
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.532.290.010.992.150.0546
Youth/Student Savings   3.003.003.00 
High Rate Savings0.663.000.021.603.150.0594
Regular Savings0.343.000.010.121.870.01-22
New Auto - 24 Mo6.148.994.944.356.492.75-179
New Auto - 36 Mo6.338.995.194.456.492.75-188
New Auto - 48 Mo6.428.995.194.736.493.00-169
New Auto - 60 Mo6.478.995.194.946.993.25-154
New Auto - 72 Mo6.468.995.745.407.494.24-105
New Auto - 84 Mo6.588.994.946.028.494.24-56
Used Auto - 24 Mo6.498.994.944.726.993.49-177
Used Auto - 36 Mo6.608.995.244.836.993.49-177
Used Auto - 48 Mo6.668.995.245.106.993.74-156
Used Auto - 60 Mo6.558.995.395.296.993.75-126
Used Auto - 72 Mo6.497.595.745.737.494.50-76
Used Auto - 84 Mo6.618.994.946.228.494.85-38
Used Boat-60 Mo6.677.246.098.1014.745.24144
New Boat-60 Mo9.6211.506.647.6613.744.65-196
Rewards Credit Card17.4320.2414.7413.7117.998.99-372
Credit Card Platinum17.1629.749.7413.2418.007.99-392
Credit Card Classic17.1420.9912.4912.6817.993.00-445
Home Equity - LOC 80%7.619.376.706.748.504.00-87
Home Equity - 5 Yr 80%7.447.897.006.148.501.00-131
Home Equity - 10 Yr 80%7.738.507.006.838.505.25-90
Home Equity - 15 Yr 80%7.818.637.007.068.755.74-75
7 Yr ARM6.5236.6456.1626.4047.1255.125-12
3 Yr ARM7.1628.1253.500 
5 Yr ARM6.3706.5446.0006.2406.8584.999-13
15 Yr Fixed6.2256.7505.5006.2716.7145.0005
20 Yr Fixed6.6696.9356.1296.6376.9746.072-3
30 Yr Fixed6.7157.0005.7506.6276.9095.500-9
15 Yr Fixed-Jumbo6.4816.3536.353 
20 Yr Fixed-Jumbo7.0396.9356.935 
7 Yr ARM-Jumbo6.5596.4816.481 
5 Yr ARM-Jumbo6.5316.4536.453 
30 Yr Fixed-Jumbo7.0766.9966.996 
Used Motorcycle-60 Mo7.497.497.498.5013.245.25101
New Motorcycle-60 Mo7.497.497.497.8612.644.7537
Used Motorhome-60 Mo6.797.246.348.0414.745.24125
New Motorhome-60 Mo9.3911.506.597.6414.244.65-175
Unsecured - 36 Mo10.5213.896.748.9012.006.09-162
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* Represents the difference in the average rate between banks and credit unions.