RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,697 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 - $10k1.733.950.012.374.050.1164
9 Mo CD - $10k2.073.870.013.135.330.50106
1 Yr CD - $10k1.823.900.012.984.000.05117
18 Mo CD - $10k1.783.730.013.045.330.60126
2 Yr CD - $10k1.783.680.012.933.800.05115
30 Mo CD - $10k1.673.680.012.893.751.69122
3 Yr CD - $10k1.713.680.012.903.800.05119
4 Yr CD - $10k1.703.680.012.914.200.05121
5 Yr CD - $10k1.843.680.012.993.940.55115
3 Mo CD - $100k1.274.000.012.345.330.05107
6 Mo CD - $100k1.813.950.012.384.050.1158
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 - $100k1.773.680.012.963.940.05119
30 Mo CD - $100k1.693.680.012.913.801.69123
3 Yr CD - $100k1.733.680.012.943.820.05120
4 Yr CD - $100k1.713.680.012.933.840.05121
5 Yr CD - $100k1.853.680.013.033.940.55117
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 - $2.5k0.432.520.010.764.000.0133
Money Market - $10k0.502.520.010.833.440.0133
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 - $50k0.703.000.011.243.440.0554
High Rate Money Market - $50k0.813.200.051.753.200.0594
High Rate Money Market - $100k0.963.200.142.223.450.05125
Money Market - $100k0.933.000.011.423.500.0549
Money Market - $250k1.013.000.011.603.810.0559
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 Mo6.9111.753.554.956.992.99-196
New Auto - 48 Mo6.9511.753.555.156.993.99-180
New Auto - 60 Mo7.0111.753.755.306.993.99-171
New Auto - 72 Mo6.9412.503.755.617.994.29-133
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 Mo7.2712.503.995.207.402.99-207
Used Auto - 48 Mo7.3712.504.245.407.403.99-198
Used Auto - 60 Mo7.3812.504.395.547.403.99-185
Used Auto - 72 Mo7.008.634.505.807.494.29-120
Used Auto - 84 Mo6.398.994.946.288.494.49-11
Used Boat-60 Mo6.848.055.998.1514.494.49130
New Boat-60 Mo8.8411.506.507.3613.494.49-149
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 ARM6.7017.6255.6256.1907.2295.250-51
3 Yr ARM6.6526.7906.2506.4358.1254.500-22
5 Yr ARM6.6027.5005.6256.0827.2724.999-52
15 Yr Fixed6.3819.2505.1255.9927.6305.125-39
20 Yr Fixed6.3866.6515.7526.4376.7925.6155
30 Yr Fixed6.7117.6405.5006.4077.0005.625-30
15 Yr Fixed-Jumbo6.2386.1246.124 
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.8116.7406.740 
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 Mo8.9511.506.507.2913.994.49-166
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.