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 - $10k1.084.700.012.113.720.05103
6 Mo CD - $10k1.514.650.012.704.160.05118
9 Mo CD - $10k1.705.090.012.764.400.05106
1 Yr CD - $10k1.504.250.012.994.420.10149
18 Mo CD - $10k1.314.200.012.984.020.18167
2 Yr CD - $10k1.433.900.012.934.110.10150
30 Mo CD - $10k1.044.000.012.944.580.45190
3 Yr CD - $10k1.294.030.012.934.110.10164
4 Yr CD - $10k1.344.080.012.984.200.20164
5 Yr CD - $10k1.434.000.013.004.010.10157
3 Mo CD - $100k1.114.700.012.133.720.05102
6 Mo CD - $100k1.534.650.012.774.180.05125
9 Mo CD - $100k1.755.090.012.774.400.05101
1 Yr CD - $100k1.544.250.013.024.420.10148
18 Mo CD - $100k1.364.200.013.004.470.27165
2 Yr CD - $100k1.463.900.012.954.330.10149
30 Mo CD - $100k1.074.000.012.874.500.45180
3 Yr CD - $100k1.324.030.012.934.110.10161
4 Yr CD - $100k1.354.080.012.984.060.20162
5 Yr CD - $100k1.464.000.013.034.010.10157
High Rate Checking0.662.500.013.086.000.05242
Basic Checking0.122.020.010.241.750.0112
HSA - $1k0.070.110.050.571.010.2050
HSA - $10k0.431.000.151.352.530.5091
HSA - $25k0.852.020.241.693.051.0184
IRA - 1 Year - $10k1.384.250.012.864.000.10148
IRA - 1 Year - $100k2.053.700.012.854.420.0780
IRA - Liquid - $10k0.483.650.010.514.960.013
IRA - Liquid - $100k1.323.200.010.704.080.01-62
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.384.180.010.954.000.0156
Money Market - $10k0.444.180.010.993.150.0354
High Rate Money Market - $10k1.373.900.031.873.400.2550
High Rate Money Market - $25k1.673.750.031.953.400.2527
Money Market - $25k0.574.430.011.183.150.0561
Money Market - $50k0.664.430.011.383.150.0571
High Rate Money Market - $50k1.683.900.032.003.400.2532
High Rate Money Market - $100k1.933.750.032.203.400.9028
Money Market - $100k0.864.430.011.593.400.0573
Money Market - $250k0.924.430.011.684.000.0575
High Rate Money Market - $250k2.063.750.052.313.651.0024
Money Market - $500k0.562.270.011.683.650.12111
High Rate Money Market - $500k1.913.560.252.102.791.6519
High Rate Money Market - $1 million1.913.560.252.162.791.6526
Money Market - $1 million0.622.270.011.703.650.12108
High Rate Savings0.673.500.023.687.001.40301
Regular Savings0.163.410.010.114.080.01-5
New Auto - 24 Mo6.338.494.945.178.563.89-115
New Auto - 36 Mo6.819.634.755.228.563.75-159
New Auto - 48 Mo6.829.634.755.298.563.75-153
New Auto - 60 Mo6.899.634.755.338.563.75-156
New Auto - 72 Mo7.049.634.755.518.562.90-153
New Auto - 84 Mo6.387.244.945.848.563.99-54
Used Auto - 24 Mo6.8310.034.945.488.813.99-135
Used Auto - 36 Mo7.0210.134.755.528.813.75-150
Used Auto - 48 Mo7.0610.134.755.548.813.75-152
Used Auto - 60 Mo7.0810.134.755.587.493.75-150
Used Auto - 72 Mo7.1810.034.945.767.493.75-142
Used Auto - 84 Mo6.527.834.945.987.503.99-53
Used Boat-60 Mo8.6410.166.497.5411.464.49-111
New Boat-60 Mo8.6813.254.757.5311.464.49-115
Rewards Credit Card17.0824.9911.7513.2918.006.99-379
Credit Card Platinum16.2219.999.7412.0418.006.99-417
Credit Card Classic15.7829.249.0013.2318.997.99-254
Home Equity - LOC 80%7.209.505.246.799.504.99-40
Home Equity - 5 Yr 80%7.149.874.946.659.264.95-49
Home Equity - 10 Yr 80%7.469.865.047.0010.244.99-47
Home Equity - 15 Yr 80%7.459.895.247.2710.254.99-19
7 Yr ARM6.6637.7505.6256.1257.2855.000-54
3 Yr ARM6.2857.9825.0005.8287.5104.900-46
5 Yr ARM6.5057.7505.3756.0027.1255.000-50
15 Yr Fixed6.0967.7505.2506.0397.6252.500-6
20 Yr Fixed6.5256.9935.7526.7317.9195.95021
30 Yr Fixed6.4158.7500.1256.4788.1253.5006
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 Mo10.1910.1910.197.1910.494.49-300
New Motorcycle-60 Mo9.7510.199.326.9410.494.49-281
Used Motorhome-60 Mo8.8610.166.497.3111.464.49-155
New Motorhome-60 Mo8.5313.254.757.5111.464.49-102
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo12.0420.906.4910.6918.005.00-135
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* Represents the difference in the average rate between banks and credit unions.