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 - $10k1.303.600.011.745.330.5044
6 Mo CD - $10k1.493.550.012.414.050.4592
9 Mo CD - $10k1.121.980.015.335.335.33422
1 Yr CD - $10k1.603.500.013.244.001.30164
18 Mo CD - $10k1.492.470.013.525.332.00204
2 Yr CD - $10k1.672.960.012.743.501.34107
30 Mo CD - $10k1.271.850.012.993.092.89172
3 Yr CD - $10k1.863.000.012.783.601.3492
4 Yr CD - $10k1.552.750.013.114.202.64156
5 Yr CD - $10k1.992.750.013.013.502.50102
3 Mo CD - $100k1.303.600.012.165.330.5086
6 Mo CD - $100k1.523.550.012.434.050.5090
9 Mo CD - $100k1.121.980.015.335.335.33422
1 Yr CD - $100k1.583.500.013.264.001.30168
18 Mo CD - $100k1.452.470.013.535.332.00209
2 Yr CD - $100k1.672.960.012.753.551.34108
30 Mo CD - $100k1.351.850.012.993.092.89164
3 Yr CD - $100k1.833.100.012.783.661.3495
4 Yr CD - $100k1.572.850.012.933.012.64136
5 Yr CD - $100k2.002.850.013.033.552.50103
High Rate Checking   2.124.000.35 
Basic Checking0.050.070.010.201.000.0115
IRA - 1 Year - $10k1.231.550.013.194.001.30196
IRA - 1 Year - $100k0.010.010.013.044.001.30303
IRA - Liquid - $10k0.020.030.010.391.870.0137
IRA - Liquid - $100k   0.481.870.01 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k1.333.000.500.300.850.05-103
Money Market - $10k1.333.000.500.330.950.05-100
High Rate Money Market - $10k   0.250.250.25 
High Rate Money Market - $25k   0.250.250.25 
Money Market - $25k1.333.000.500.431.000.05-91
Money Market - $50k1.333.000.500.571.400.05-77
High Rate Money Market - $50k   0.250.250.25 
High Rate Money Market - $100k   1.551.551.55 
Money Market - $100k1.333.000.500.631.400.05-71
Money Market - $250k1.333.000.500.641.400.05-69
High Rate Money Market - $250k   1.651.651.65 
Money Market - $500k   0.491.400.05 
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million   0.491.400.05 
High Rate Savings0.020.020.022.373.001.40235
Regular Savings0.533.150.010.411.870.01-12
New Auto - 24 Mo   5.8113.253.74 
New Auto - 36 Mo5.595.595.595.1213.253.74-47
New Auto - 48 Mo6.317.745.595.3213.253.75-98
New Auto - 60 Mo6.267.595.595.3813.253.75-87
New Auto - 72 Mo7.447.447.444.886.493.75-256
New Auto - 84 Mo   5.746.394.99 
Used Auto - 24 Mo   5.8810.594.24 
Used Auto - 36 Mo6.496.496.495.5410.594.24-95
Used Auto - 48 Mo6.496.496.495.7910.594.99-70
Used Auto - 60 Mo6.496.496.495.8510.594.99-64
Used Auto - 72 Mo6.496.496.496.1611.494.99-33
Used Auto - 84 Mo   7.6312.195.99 
Used Boat-60 Mo   7.339.006.29 
New Boat-60 Mo   8.0810.895.99 
Rewards Credit Card16.3420.2413.2013.1417.998.99-320
Credit Card Platinum18.0020.2416.7512.5917.9910.24-540
Credit Card Classic16.3420.2413.2013.8014.7512.40-254
Home Equity - LOC 80%   6.757.256.00 
Home Equity - 5 Yr 80%   6.447.345.12 
Home Equity - 10 Yr 80%   6.877.655.81 
Home Equity - 15 Yr 80%   7.097.956.30 
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
Used Motorcycle-60 Mo   8.6510.057.24 
New Motorcycle-60 Mo   7.357.956.74 
Used Motorhome-60 Mo   7.017.456.29 
New Motorhome-60 Mo   6.797.705.29 
Unsecured - 36 Mo5.995.995.997.7310.044.99174
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* Represents the difference in the average rate between banks and credit unions.