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 - $10k1.413.730.011.985.330.0556
6 Mo CD - $10k1.984.010.012.719.000.1072
9 Mo CD - $10k1.794.000.013.105.330.10131
1 Yr CD - $10k1.933.970.012.634.000.1570
18 Mo CD - $10k1.904.750.012.615.330.2072
2 Yr CD - $10k1.743.970.012.463.970.2572
30 Mo CD - $10k1.053.930.012.593.510.30155
3 Yr CD - $10k1.483.700.012.373.870.3589
4 Yr CD - $10k1.513.700.012.253.870.4075
5 Yr CD - $10k1.503.800.012.373.870.5088
3 Mo CD - $100k1.433.730.011.945.330.0551
6 Mo CD - $100k2.014.010.012.699.000.1068
9 Mo CD - $100k1.814.000.013.125.330.10130
1 Yr CD - $100k1.954.000.012.624.000.1567
18 Mo CD - $100k1.925.050.012.585.330.2065
2 Yr CD - $100k1.773.970.012.473.970.2570
30 Mo CD - $100k1.023.690.012.373.400.30135
3 Yr CD - $100k1.503.700.012.373.870.3587
4 Yr CD - $100k1.513.700.012.283.870.4077
5 Yr CD - $100k1.513.800.012.373.870.5086
High Rate Checking1.754.500.012.565.130.2582
Basic Checking0.092.720.010.101.000.010
IRA - 1 Year - $10k1.963.970.012.564.000.1560
IRA - 1 Year - $100k2.214.000.012.914.000.1570
IRA - Liquid - $10k0.493.350.010.243.000.02-24
IRA - Liquid - $100k0.703.000.010.251.870.05-45
High Rate Money Market - $2.5k2.003.500.50    
Money Market - $2.5k0.322.990.010.412.000.059
Money Market - $10k0.372.990.010.603.250.0223
High Rate Money Market - $10k0.773.450.010.420.750.02-35
High Rate Money Market - $25k1.083.750.010.921.490.02-17
Money Market - $25k0.502.990.010.783.250.0228
Money Market - $50k0.652.990.010.983.250.0534
High Rate Money Market - $50k1.323.750.011.302.470.02-2
High Rate Money Market - $100k1.423.750.011.913.200.1049
Money Market - $100k0.833.110.011.263.250.0543
Money Market - $250k0.923.640.011.353.490.0543
High Rate Money Market - $250k1.353.750.012.043.200.1069
Money Market - $500k1.013.200.011.283.500.1027
High Rate Money Market - $500k2.733.501.95    
High Rate Money Market - $1 million2.733.501.95    
Money Market - $1 million1.133.200.011.353.500.1022
High Rate Savings1.674.000.022.776.171.00110
Regular Savings0.183.500.010.123.150.01-6
New Auto - 24 Mo7.2011.004.995.2413.253.34-196
New Auto - 36 Mo7.5512.505.125.3413.253.34-221
New Auto - 48 Mo7.6012.505.125.4213.253.99-218
New Auto - 60 Mo7.6712.501.065.4813.253.99-218
New Auto - 72 Mo7.6811.005.385.747.503.99-194
New Auto - 84 Mo7.9811.005.646.027.744.24-196
Used Auto - 24 Mo7.6511.755.645.3010.593.84-235
Used Auto - 36 Mo8.1413.505.645.4010.593.49-274
Used Auto - 48 Mo8.2813.505.645.4910.594.24-279
Used Auto - 60 Mo8.0713.505.645.5410.594.24-253
Used Auto - 72 Mo7.6310.025.646.0011.494.24-164
Used Auto - 84 Mo7.338.995.646.4512.194.24-89
Used Boat-60 Mo7.749.995.998.4010.995.6366
New Boat-60 Mo9.2112.255.998.0510.245.24-116
Rewards Credit Card17.4723.499.9914.3618.494.90-311
Credit Card Platinum16.7718.499.7413.6117.746.99-317
Credit Card Classic16.5728.2410.2412.9216.758.49-366
Home Equity - LOC 80%6.859.026.246.6718.004.75-18
Home Equity - 5 Yr 80%6.749.255.756.387.254.75-36
Home Equity - 10 Yr 80%7.0110.505.996.747.834.00-27
Home Equity - 15 Yr 80%7.239.256.257.087.995.21-15
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 Mo7.067.496.196.9710.994.49-9
New Motorcycle-60 Mo6.897.495.696.8910.994.490
Used Motorhome-60 Mo7.659.996.248.5311.245.6389
New Motorhome-60 Mo9.2314.996.248.3511.245.24-88
Student Loan-10 Year6.106.106.105.066.753.24-104
Unsecured - 36 Mo13.2418.006.7411.0114.155.00-223
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* Represents the difference in the average rate between banks and credit unions.