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 - $10k1.183.580.011.855.330.0266
6 Mo CD - $10k1.833.870.012.824.050.4599
9 Mo CD - $10k1.823.870.013.369.001.23154
1 Yr CD - $10k2.114.060.013.114.550.35101
18 Mo CD - $10k1.553.970.012.935.330.05138
2 Yr CD - $10k1.773.970.013.044.500.45127
30 Mo CD - $10k1.283.680.012.484.000.25119
3 Yr CD - $10k1.583.680.013.054.300.55147
4 Yr CD - $10k1.453.680.013.054.200.80160
5 Yr CD - $10k1.603.680.013.054.280.83145
3 Mo CD - $100k1.293.580.012.305.330.02102
6 Mo CD - $100k1.943.870.012.854.050.5091
9 Mo CD - $100k1.923.870.013.389.001.23146
1 Yr CD - $100k2.174.060.013.145.150.3597
18 Mo CD - $100k1.643.970.013.025.331.13138
2 Yr CD - $100k1.883.970.013.064.550.45117
30 Mo CD - $100k1.363.680.012.393.700.25103
3 Yr CD - $100k1.653.680.013.064.350.55142
4 Yr CD - $100k1.473.680.013.004.200.80154
5 Yr CD - $100k1.693.680.013.044.280.83136
High Rate Checking0.030.040.012.886.000.35285
Basic Checking0.080.470.010.335.250.0125
IRA - 1 Year - $10k1.874.060.013.064.000.25119
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 - $2.5k0.452.290.010.612.020.0316
Money Market - $10k0.542.290.010.682.120.0313
High Rate Money Market - $10k   0.430.900.13 
High Rate Money Market - $25k0.050.050.050.480.950.2543
Money Market - $25k0.562.290.010.772.120.0522
Money Market - $50k0.602.290.010.882.120.0528
High Rate Money Market - $50k0.050.050.050.501.000.2545
High Rate Money Market - $100k0.070.070.071.001.500.2593
Money Market - $100k0.672.290.010.992.720.0531
Money Market - $250k0.722.290.011.063.690.0534
High Rate Money Market - $250k0.070.070.071.021.550.2595
Money Market - $500k0.632.290.010.992.150.0536
High Rate Money Market - $500k   1.751.751.75 
High Rate Money Market - $1 million   1.951.951.95 
Money Market - $1 million0.632.290.010.992.150.0536
Youth/Student Savings   3.003.003.00 
High Rate Savings0.653.000.021.603.150.0595
Regular Savings0.343.000.010.121.870.01-22
New Auto - 24 Mo6.088.994.944.386.492.75-170
New Auto - 36 Mo6.328.995.144.486.492.75-184
New Auto - 48 Mo6.418.995.144.776.493.00-164
New Auto - 60 Mo6.478.995.144.996.993.25-148
New Auto - 72 Mo6.468.995.745.447.494.25-102
New Auto - 84 Mo6.528.994.946.048.495.00-48
Used Auto - 24 Mo6.448.994.944.746.993.49-170
Used Auto - 36 Mo6.608.995.244.856.993.49-175
Used Auto - 48 Mo6.658.995.245.126.993.74-153
Used Auto - 60 Mo6.548.995.345.306.993.75-124
Used Auto - 72 Mo6.497.595.745.737.494.50-76
Used Auto - 84 Mo6.528.994.946.218.495.00-31
Used Boat-60 Mo6.677.246.098.0414.495.24137
New Boat-60 Mo9.6211.506.647.5613.494.65-206
Rewards Credit Card17.4320.2414.7413.7417.998.99-369
Credit Card Platinum17.1629.749.7413.2418.007.99-392
Credit Card Classic17.0920.9912.4912.7417.996.99-435
Home Equity - LOC 80%7.549.376.756.738.504.00-81
Home Equity - 5 Yr 80%7.628.047.196.118.501.00-150
Home Equity - 10 Yr 80%7.968.507.296.808.505.25-116
Home Equity - 15 Yr 80%8.058.637.397.068.755.49-100
7 Yr ARM6.4506.6396.0896.2927.1255.125-16
3 Yr ARM7.1108.1253.500 
5 Yr ARM6.4066.4306.1546.0956.8584.999-31
15 Yr Fixed6.1966.7505.5006.0766.4605.000-12
20 Yr Fixed6.4936.6806.0036.5076.9746.0001
30 Yr Fixed6.6216.8755.7506.4176.7845.500-20
15 Yr Fixed-Jumbo6.3496.2366.236 
20 Yr Fixed-Jumbo6.7726.6806.680 
7 Yr ARM-Jumbo6.4076.3396.339 
5 Yr ARM-Jumbo6.4146.3466.346 
30 Yr Fixed-Jumbo6.9376.8666.866 
Used Motorcycle-60 Mo7.497.497.498.5012.995.25101
New Motorcycle-60 Mo7.497.497.497.8912.394.7540
Used Motorhome-60 Mo6.797.246.347.9814.495.24119
New Motorhome-60 Mo9.3911.506.597.5413.994.65-185
Unsecured - 36 Mo10.4213.896.748.9612.006.09-146
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* Represents the difference in the average rate between banks and credit unions.