RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,780 financial institution locations in 19,713 markets across the United States as of 4/9/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.443.940.011.275.000.15-17
6 Mo CD - $10k2.164.050.012.485.000.2033
9 Mo CD - $10k2.555.020.012.744.080.0119
1 Yr CD - $10k2.203.950.012.484.050.0128
18 Mo CD - $10k2.133.850.012.264.100.0113
2 Yr CD - $10k2.123.960.012.463.900.0134
30 Mo CD - $10k2.133.770.012.724.000.4059
3 Yr CD - $10k2.173.810.012.363.650.0119
4 Yr CD - $10k2.173.690.012.473.800.5530
5 Yr CD - $10k2.273.750.012.363.710.019
3 Mo CD - $100k1.503.990.011.065.000.15-43
6 Mo CD - $100k2.214.100.012.395.000.2018
9 Mo CD - $100k2.595.300.012.754.080.0116
1 Yr CD - $100k2.274.000.012.484.350.0120
18 Mo CD - $100k2.205.050.012.194.500.01-1
2 Yr CD - $100k2.173.960.012.484.000.0130
30 Mo CD - $100k2.203.800.012.744.000.4054
3 Yr CD - $100k2.233.810.012.413.820.0118
4 Yr CD - $100k2.223.800.012.483.870.5526
5 Yr CD - $100k2.323.800.012.363.920.013
High Rate Checking2.464.250.012.895.000.1043
Basic Checking0.202.950.010.345.000.0113
HSA - $1k   0.200.200.20 
HSA - $10k   0.300.300.30 
HSA - $25k   0.350.350.35 
IRA - 1 Year - $10k2.053.950.032.284.000.0123
IRA - 1 Year - $100k2.304.040.042.394.000.309
IRA - Liquid - $10k1.504.250.010.704.070.01-80
IRA - Liquid - $100k1.052.500.010.441.300.05-61
High Rate Money Market - $2.5k   2.503.501.50 
Money Market - $2.5k0.472.500.010.773.500.1031
Money Market - $10k0.562.500.010.973.750.1041
High Rate Money Market - $10k1.033.500.082.023.500.5099
High Rate Money Market - $25k1.273.500.102.233.501.3496
Money Market - $25k0.702.570.011.163.750.1546
Money Market - $50k0.812.570.011.293.750.2048
High Rate Money Market - $50k1.513.500.102.263.501.3975
High Rate Money Market - $100k1.693.550.102.563.551.8087
Money Market - $100k1.063.150.011.493.750.2543
Money Market - $250k1.233.250.011.603.750.2537
High Rate Money Market - $250k1.893.600.102.103.600.6521
Money Market - $500k1.272.750.011.483.400.2521
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.322.750.011.513.500.2519
High Rate Savings1.263.300.021.754.000.1549
Regular Savings0.251.840.010.191.650.05-5
New Auto - 24 Mo6.428.595.344.866.093.92-157
New Auto - 36 Mo7.0511.004.254.896.243.89-216
New Auto - 48 Mo7.1111.004.254.966.243.89-214
New Auto - 60 Mo7.1511.004.255.036.243.89-212
New Auto - 72 Mo7.1610.194.255.276.293.89-189
New Auto - 84 Mo7.048.595.745.537.194.39-151
Used Auto - 24 Mo6.648.595.545.166.124.39-148
Used Auto - 36 Mo7.3211.004.495.126.243.89-220
Used Auto - 48 Mo7.3711.004.495.176.243.89-220
Used Auto - 60 Mo7.4011.004.495.236.243.89-217
Used Auto - 72 Mo7.2810.004.755.546.543.89-175
Used Auto - 84 Mo7.148.595.745.937.244.39-121
Used Boat-60 Mo7.749.295.957.1711.244.50-57
New Boat-60 Mo7.8611.004.006.8811.244.50-97
Rewards Credit Card16.9423.2410.7513.8417.748.90-310
Credit Card Platinum15.6818.499.9912.8517.498.99-283
Credit Card Classic14.6717.4911.6512.6517.007.75-202
Home Equity - LOC 80%7.5310.006.256.568.004.49-97
Home Equity - 5 Yr 80%7.2910.005.756.438.343.99-85
Home Equity - 10 Yr 80%7.419.035.996.968.735.25-44
Home Equity - 15 Yr 80%7.489.256.007.359.985.70-14
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 Mo7.317.666.955.838.744.50-148
New Motorcycle-60 Mo7.317.666.955.688.744.49-163
Used Motorhome-60 Mo7.739.295.956.928.744.50-81
New Motorhome-60 Mo7.9011.005.506.758.994.50-115
Unsecured - 36 Mo12.7221.006.7410.6714.748.25-204
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* Represents the difference in the average rate between banks and credit unions.