RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,766 financial institution locations in 19,713 markets across the United States as of 4/8/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.234.000.012.085.330.0585
6 Mo CD - $10k1.763.950.012.374.050.1161
9 Mo CD - $10k2.073.870.013.135.330.50106
1 Yr CD - $10k1.823.900.012.984.000.05116
18 Mo CD - $10k1.813.730.013.045.330.60122
2 Yr CD - $10k1.773.680.012.933.800.05116
30 Mo CD - $10k1.653.680.012.893.751.69123
3 Yr CD - $10k1.713.680.012.903.800.05119
4 Yr CD - $10k1.713.680.012.914.200.05120
5 Yr CD - $10k1.843.680.012.993.940.55115
3 Mo CD - $100k1.274.000.012.345.330.05107
6 Mo CD - $100k1.833.950.012.384.050.1155
9 Mo CD - $100k2.083.870.013.155.330.50108
1 Yr CD - $100k1.943.900.013.004.000.05106
18 Mo CD - $100k1.893.730.013.065.330.60117
2 Yr CD - $100k1.803.680.012.963.940.05117
30 Mo CD - $100k1.693.680.012.913.801.69123
3 Yr CD - $100k1.743.680.012.943.820.05120
4 Yr CD - $100k1.713.680.012.933.840.05121
5 Yr CD - $100k1.843.680.013.033.940.55119
High Rate Checking0.040.080.012.706.000.05266
Basic Checking0.101.240.010.205.250.0111
IRA - 1 Year - $10k1.793.900.012.874.750.01108
IRA - 1 Year - $100k2.083.900.013.184.800.01110
IRA - Liquid - $10k0.603.250.010.584.080.01-2
IRA - Liquid - $100k0.882.000.010.844.080.01-4
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.422.520.010.764.000.0134
Money Market - $10k0.512.520.010.833.440.0131
High Rate Money Market - $10k0.080.500.011.042.720.2597
High Rate Money Market - $25k0.613.200.031.063.150.0546
Money Market - $25k0.562.520.011.103.440.0354
Money Market - $50k0.713.000.011.243.440.0553
High Rate Money Market - $50k0.813.200.051.753.200.0594
High Rate Money Market - $100k0.963.200.142.223.450.05125
Money Market - $100k0.963.000.011.423.500.0546
Money Market - $250k1.053.000.011.603.810.0555
High Rate Money Market - $250k0.993.200.142.243.450.05125
Money Market - $500k0.812.290.011.484.000.0567
High Rate Money Market - $500k   2.132.401.85 
High Rate Money Market - $1 million   2.232.402.05 
Money Market - $1 million0.903.000.011.624.000.0572
High Rate Savings1.583.200.023.245.001.76166
Regular Savings0.213.550.010.254.890.014
New Auto - 24 Mo6.018.994.944.796.992.99-122
New Auto - 36 Mo6.9011.753.554.956.992.99-195
New Auto - 48 Mo6.9611.753.555.156.993.99-181
New Auto - 60 Mo7.0111.753.755.306.993.99-171
New Auto - 72 Mo6.9512.503.755.617.994.29-134
New Auto - 84 Mo6.258.994.946.018.494.49-25
Used Auto - 24 Mo6.138.994.945.156.992.99-98
Used Auto - 36 Mo7.2712.503.995.197.402.99-208
Used Auto - 48 Mo7.3712.504.245.397.403.99-198
Used Auto - 60 Mo7.3812.504.395.537.403.99-185
Used Auto - 72 Mo6.988.634.505.807.494.29-118
Used Auto - 84 Mo6.398.994.946.288.494.49-11
Used Boat-60 Mo6.848.055.998.1514.494.49130
New Boat-60 Mo8.8511.506.507.3613.494.49-149
Rewards Credit Card17.0619.659.9913.5718.007.90-349
Credit Card Platinum15.8928.998.9912.4918.007.90-340
Credit Card Classic15.6120.999.7413.2018.008.00-241
Home Equity - LOC 80%7.5911.756.246.859.503.99-74
Home Equity - 5 Yr 80%6.798.295.126.6812.503.75-11
Home Equity - 10 Yr 80%7.368.505.627.0312.905.49-32
Home Equity - 15 Yr 80%7.278.635.877.3213.005.495
7 Yr ARM6.2906.5035.9616.1166.5395.500-17
3 Yr ARM6.2556.6015.908 
5 Yr ARM6.3636.3636.3635.9966.4485.248-37
15 Yr Fixed5.8456.1105.5345.6165.8795.375-23
20 Yr Fixed6.2446.6515.7526.0366.2735.750-21
30 Yr Fixed6.4427.2316.0006.2176.5005.984-23
15 Yr Fixed-Jumbo6.1036.1036.103 
20 Yr Fixed-Jumbo6.6516.6516.651 
7 Yr ARM-Jumbo6.3266.3266.326 
5 Yr ARM-Jumbo6.3356.3356.335 
30 Yr Fixed-Jumbo6.7376.7376.737 
Used Motorcycle-60 Mo7.497.497.497.6412.994.4915
New Motorcycle-60 Mo7.497.497.497.3112.394.49-18
Used Motorhome-60 Mo6.857.836.248.0114.494.49116
New Motorhome-60 Mo8.9411.506.507.2913.994.49-165
Unsecured - 36 Mo11.8517.006.749.9118.006.09-194
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* Represents the difference in the average rate between banks and credit unions.