RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,678 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 - $10k1.013.580.011.865.330.0285
6 Mo CD - $10k1.643.870.012.909.000.15127
9 Mo CD - $10k1.843.870.013.065.331.23122
1 Yr CD - $10k1.883.870.013.044.550.20117
18 Mo CD - $10k1.533.730.012.995.330.05146
2 Yr CD - $10k1.723.680.012.994.500.45127
30 Mo CD - $10k1.283.680.012.514.000.25123
3 Yr CD - $10k1.583.680.013.024.300.55144
4 Yr CD - $10k1.453.680.013.004.200.80155
5 Yr CD - $10k1.603.680.013.014.180.83140
3 Mo CD - $100k1.233.580.012.315.330.02108
6 Mo CD - $100k1.723.870.012.939.000.15121
9 Mo CD - $100k1.963.870.013.085.331.23112
1 Yr CD - $100k1.963.870.013.075.150.20111
18 Mo CD - $100k1.633.730.013.085.331.13145
2 Yr CD - $100k1.843.680.013.014.550.45117
30 Mo CD - $100k1.363.680.012.423.490.25107
3 Yr CD - $100k1.653.680.013.034.350.55139
4 Yr CD - $100k1.473.680.012.964.100.80149
5 Yr CD - $100k1.693.680.013.004.180.83132
High Rate Checking0.030.040.012.886.000.35285
Basic Checking0.080.470.010.325.250.0124
IRA - 1 Year - $10k1.873.870.012.994.000.20112
IRA - 1 Year - $100k1.833.510.012.794.000.2096
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 - $2.5k0.462.290.010.612.020.0315
Money Market - $10k0.552.290.010.682.120.0313
High Rate Money Market - $10k   0.410.850.13 
High Rate Money Market - $25k   0.470.900.25 
Money Market - $25k0.572.290.010.782.120.0521
Money Market - $50k0.612.290.010.882.120.0527
High Rate Money Market - $50k   0.480.950.25 
High Rate Money Market - $100k   0.981.500.25 
Money Market - $100k0.692.290.010.982.720.0529
Money Market - $250k0.732.290.011.053.690.0531
High Rate Money Market - $250k   1.001.550.25 
Money Market - $500k0.632.290.010.942.020.0531
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.632.290.010.942.020.0531
Youth/Student Savings   3.003.003.00 
High Rate Savings0.833.200.021.713.150.0589
Regular Savings0.343.200.010.121.870.01-22
New Auto - 24 Mo6.148.994.944.376.492.75-177
New Auto - 36 Mo6.388.995.244.486.492.75-189
New Auto - 48 Mo6.468.995.244.776.493.00-169
New Auto - 60 Mo6.528.995.444.986.993.25-154
New Auto - 72 Mo6.498.995.745.427.494.25-108
New Auto - 84 Mo6.528.994.946.008.495.00-51
Used Auto - 24 Mo6.498.994.944.746.993.49-175
Used Auto - 36 Mo6.658.995.244.866.993.49-179
Used Auto - 48 Mo6.708.995.245.126.993.74-158
Used Auto - 60 Mo6.608.995.645.306.993.75-130
Used Auto - 72 Mo6.537.595.745.747.494.44-79
Used Auto - 84 Mo6.528.994.946.218.495.00-31
Used Boat-60 Mo6.246.495.998.1314.494.99189
New Boat-60 Mo9.6211.506.647.5913.494.49-203
Rewards Credit Card17.3420.2414.7413.5517.998.99-379
Credit Card Platinum16.4920.249.7413.2218.007.99-327
Credit Card Classic17.0920.9912.4912.3817.996.99-472
Home Equity - LOC 80%7.699.376.446.738.504.00-96
Home Equity - 5 Yr 80%7.397.597.196.118.501.00-128
Home Equity - 10 Yr 80%7.818.507.296.808.505.25-101
Home Equity - 15 Yr 80%7.908.637.397.068.755.49-85
7 Yr ARM6.6097.0896.0906.2447.1255.125-37
3 Yr ARM7.1548.1253.500 
5 Yr ARM6.3946.4346.1546.1656.7854.999-23
15 Yr Fixed6.1456.7505.3756.0586.5875.000-9
20 Yr Fixed6.4866.6366.0196.6107.1006.00012
30 Yr Fixed6.5926.8755.7506.4396.7845.500-15
15 Yr Fixed-Jumbo6.3016.1876.187 
20 Yr Fixed-Jumbo6.6186.5266.526 
7 Yr ARM-Jumbo6.4126.3436.343 
5 Yr ARM-Jumbo6.3616.2926.292 
30 Yr Fixed-Jumbo6.9126.8406.840 
Used Motorcycle-60 Mo7.497.497.498.5312.995.25104
New Motorcycle-60 Mo7.497.497.497.8912.394.7540
Used Motorhome-60 Mo6.376.496.248.2814.495.25191
New Motorhome-60 Mo9.4311.506.897.5713.994.65-186
Unsecured - 36 Mo10.4213.896.748.9212.006.09-150
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* Represents the difference in the average rate between banks and credit unions.