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 - $10k1.563.840.011.975.330.0541
6 Mo CD - $10k1.994.060.012.624.050.1063
9 Mo CD - $10k2.194.100.013.289.000.10109
1 Yr CD - $10k1.934.150.012.764.110.1583
18 Mo CD - $10k1.984.300.012.675.330.2069
2 Yr CD - $10k1.824.300.012.504.160.2568
30 Mo CD - $10k1.134.110.012.593.690.30147
3 Yr CD - $10k1.714.070.012.413.970.3569
4 Yr CD - $10k1.714.070.012.273.900.4056
5 Yr CD - $10k1.714.070.012.384.000.5067
3 Mo CD - $100k1.603.840.011.975.330.0536
6 Mo CD - $100k2.004.060.012.624.050.1063
9 Mo CD - $100k2.204.100.013.299.000.10109
1 Yr CD - $100k1.964.150.012.754.110.1579
18 Mo CD - $100k2.015.050.012.665.330.2065
2 Yr CD - $100k1.854.300.012.534.160.2568
30 Mo CD - $100k1.104.110.012.403.690.30130
3 Yr CD - $100k1.734.070.012.423.970.3569
4 Yr CD - $100k1.774.070.012.303.900.4053
5 Yr CD - $100k1.724.070.012.394.000.5067
High Rate Checking1.754.500.012.745.130.25100
Basic Checking0.122.720.010.101.000.01-3
HSA - $1k0.100.100.10    
HSA - $10k0.150.150.15    
HSA - $25k0.250.250.25    
IRA - 1 Year - $10k1.974.070.012.704.110.1572
IRA - 1 Year - $100k1.954.000.013.024.050.15107
IRA - Liquid - $10k0.473.350.010.253.000.02-22
IRA - Liquid - $100k0.703.000.010.311.950.05-39
High Rate Money Market - $2.5k3.253.503.00    
Money Market - $2.5k0.333.930.010.422.000.059
Money Market - $10k0.383.930.010.613.250.0222
High Rate Money Market - $10k0.883.450.010.450.750.02-43
High Rate Money Market - $25k1.103.500.010.971.490.02-13
Money Market - $25k0.513.930.010.783.250.0228
Money Market - $50k0.663.930.010.993.250.0533
High Rate Money Market - $50k1.253.500.011.402.470.0215
High Rate Money Market - $100k1.403.500.012.083.200.1068
Money Market - $100k0.833.930.011.283.250.0545
Money Market - $250k0.923.930.011.373.550.0545
High Rate Money Market - $250k1.353.690.012.233.200.1088
Money Market - $500k0.943.200.011.353.550.1041
High Rate Money Market - $500k2.733.501.95    
High Rate Money Market - $1 million2.733.501.95    
Money Market - $1 million1.013.200.011.413.550.1041
Youth/Student Savings   3.243.243.24 
High Rate Savings1.544.000.022.926.171.40137
Regular Savings0.123.400.010.143.050.012
New Auto - 24 Mo7.2511.004.995.1313.252.99-212
New Auto - 36 Mo7.4512.503.995.2713.252.99-218
New Auto - 48 Mo7.5012.503.995.2813.253.99-222
New Auto - 60 Mo7.6812.503.995.4113.253.99-227
New Auto - 72 Mo7.5511.003.995.657.504.14-190
New Auto - 84 Mo8.0211.005.895.927.744.24-210
Used Auto - 24 Mo7.6911.755.645.2110.593.84-248
Used Auto - 36 Mo8.0313.504.995.2710.593.49-276
Used Auto - 48 Mo8.1613.504.995.4210.593.99-274
Used Auto - 60 Mo8.0313.504.995.4710.593.99-256
Used Auto - 72 Mo7.4710.254.995.9011.494.24-157
Used Auto - 84 Mo7.388.995.896.3912.194.24-100
Used Boat-60 Mo8.6712.186.098.1310.993.65-54
New Boat-60 Mo9.3312.256.098.0310.903.65-130
Rewards Credit Card17.4520.499.9914.7718.494.90-268
Credit Card Platinum16.8018.749.7413.7317.747.99-306
Credit Card Classic16.8328.2413.7412.8616.758.49-398
Home Equity - LOC 80%6.858.905.496.6718.004.75-18
Home Equity - 5 Yr 80%6.739.255.756.387.254.75-35
Home Equity - 10 Yr 80%6.9910.505.996.757.834.00-24
Home Equity - 15 Yr 80%7.229.256.257.087.995.21-14
7 Yr ARM6.1096.9375.2506.2367.2105.45013
3 Yr ARM5.7156.6595.1256.1808.0005.12546
5 Yr ARM5.8986.7505.1256.1337.5005.25024
15 Yr Fixed6.1236.7705.0006.1706.8445.2505
20 Yr Fixed6.6136.9336.1296.5667.0425.886-5
30 Yr Fixed6.5956.9965.5006.5997.1685.8750
15 Yr Fixed-Jumbo6.4786.3506.3506.2716.1446.144-21
20 Yr Fixed-Jumbo7.0316.9276.9276.6176.5156.515-41
7 Yr ARM-Jumbo6.4866.4096.4096.3816.3046.304-11
5 Yr ARM-Jumbo6.4866.4096.4096.3616.3786.191-13
30 Yr Fixed-Jumbo7.0636.9836.9837.0387.0666.762-2
Used Motorcycle-60 Mo9.1015.226.196.6910.993.05-241
New Motorcycle-60 Mo8.9715.225.696.9511.843.99-202
Used Motorhome-60 Mo9.2015.226.348.3811.243.65-83
New Motorhome-60 Mo9.3714.996.348.3211.243.65-104
Student Loan-10 Year7.057.057.055.066.753.24-199
Unsecured - 36 Mo13.1318.006.7411.0214.155.00-211
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* Represents the difference in the average rate between banks and credit unions.