RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 337,545 financial institution locations in 19,713 markets across the United States as of 4/22/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.155.500.011.985.330.0283
6 Mo CD - $10k1.565.270.012.725.000.01116
9 Mo CD - $10k1.286.910.013.065.330.01179
1 Yr CD - $10k1.645.000.012.964.590.01132
18 Mo CD - $10k1.415.500.012.935.330.01151
2 Yr CD - $10k1.504.580.012.864.590.01136
30 Mo CD - $10k1.186.910.012.844.710.05166
3 Yr CD - $10k1.385.500.012.824.600.01144
4 Yr CD - $10k1.365.500.012.844.700.05149
5 Yr CD - $10k1.415.500.012.914.500.01150
3 Mo CD - $100k1.205.500.012.035.330.0283
6 Mo CD - $100k1.615.270.012.755.000.01114
9 Mo CD - $100k1.356.910.013.095.330.01174
1 Yr CD - $100k1.695.000.013.005.150.01131
18 Mo CD - $100k1.465.500.012.955.330.01150
2 Yr CD - $100k1.564.590.012.914.590.01135
30 Mo CD - $100k1.236.910.012.874.700.05163
3 Yr CD - $100k1.435.500.012.874.600.01144
4 Yr CD - $100k1.395.500.012.874.700.05148
5 Yr CD - $100k1.455.500.012.954.550.01150
Youth/Student Checking   0.100.100.10 
High Rate Checking0.687.000.013.027.500.01234
Basic Checking0.1211.000.000.226.000.0111
HSA - $1k0.060.110.010.271.010.0121
HSA - $10k0.691.250.150.472.530.01-22
HSA - $25k0.742.020.240.593.050.01-15
IRA - 1 Year - $10k1.535.000.012.954.750.01142
IRA - 1 Year - $100k1.674.450.013.0510.650.01138
IRA - Liquid - $10k0.405.000.010.655.300.0125
IRA - Liquid - $100k0.714.700.010.725.090.011
High Rate Money Market - $2.5k0.593.500.050.643.500.014
Money Market - $2.5k0.374.180.010.735.040.0036
Money Market - $10k0.444.180.010.834.070.0139
High Rate Money Market - $10k1.213.900.011.284.000.017
High Rate Money Market - $25k1.474.400.011.624.000.0115
Money Market - $25k0.574.430.010.994.250.0142
Money Market - $50k0.664.430.011.145.000.0149
High Rate Money Market - $50k1.563.900.011.824.000.0126
High Rate Money Market - $100k1.723.900.012.164.000.0544
Money Market - $100k0.834.430.011.385.000.0155
Money Market - $250k0.945.000.011.515.000.0157
High Rate Money Market - $250k1.863.900.012.364.050.0550
Money Market - $500k0.874.650.011.525.000.0165
High Rate Money Market - $500k1.843.820.102.094.000.4026
High Rate Money Market - $1 million1.923.950.102.274.000.4035
Money Market - $1 million0.924.650.011.575.000.0166
Youth/Student Savings   1.175.000.02 
High Rate Savings0.695.000.022.4510.000.01176
Regular Savings0.195.000.010.196.000.000
New Auto - 24 Mo6.3511.003.744.9413.251.99-141
New Auto - 36 Mo7.0117.502.654.9813.251.99-203
New Auto - 48 Mo7.0717.502.655.0913.251.99-197
New Auto - 60 Mo7.1417.501.065.2013.251.99-194
New Auto - 72 Mo7.1713.752.655.459.501.99-172
New Auto - 84 Mo6.7511.004.295.779.951.99-98
Used Auto - 24 Mo6.5411.754.295.1510.591.99-139
Used Auto - 36 Mo7.3718.002.955.1811.001.99-219
Used Auto - 48 Mo7.4518.002.955.3011.001.99-214
Used Auto - 60 Mo7.4218.002.955.4111.001.99-202
Used Auto - 72 Mo7.3213.751.115.6613.001.99-165
Used Auto - 84 Mo6.818.994.295.9912.191.99-82
Used Boat-60 Mo8.1413.185.597.4518.002.50-69
New Boat-60 Mo8.4017.500.507.3218.002.50-108
Rewards Credit Card17.4329.905.9913.5322.151.00-390
Credit Card Platinum16.4828.992.0012.2228.991.00-426
Credit Card Classic15.9829.900.1012.7929.501.00-318
Home Equity - LOC 80%7.6616.000.256.8318.000.25-83
Home Equity - 5 Yr 80%7.4412.504.006.6112.501.00-83
Home Equity - 10 Yr 80%7.5512.502.506.9612.901.00-59
Home Equity - 15 Yr 80%7.6012.992.507.2413.001.00-36
7 Yr ARM6.3978.5001.0006.0998.5851.000-30
3 Yr ARM6.5159.7501.0006.0318.5001.000-48
5 Yr ARM6.39210.2504.0005.9548.9001.000-44
15 Yr Fixed6.06211.0002.0005.92111.7501.000-14
20 Yr Fixed6.1959.0004.6186.2058.7001.0001
30 Yr Fixed6.51111.4500.1256.36713.2501.000-14
15 Yr Fixed-Jumbo6.0966.1715.9775.7886.9155.290-31
20 Yr Fixed-Jumbo6.6236.5386.1625.9256.1335.520-70
7 Yr ARM-Jumbo6.2876.2196.2126.0477.5035.000-24
5 Yr ARM-Jumbo6.3286.2606.2516.3296.6476.1540
30 Yr Fixed-Jumbo6.6666.6056.1486.4747.1725.890-19
Used Motorcycle-60 Mo7.9813.185.597.2213.992.00-75
New Motorcycle-60 Mo7.8310.755.596.9716.752.00-86
Used Motorhome-60 Mo8.2812.055.757.4018.002.00-88
New Motorhome-60 Mo8.4218.001.757.3218.001.00-110
Student Loan-10 Year6.106.106.105.096.753.24-101
Unsecured - 36 Mo11.2425.175.0010.6036.001.99-64
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* Represents the difference in the average rate between banks and credit unions.