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 4/7/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.155.500.011.995.330.0284
6 Mo CD - $10k1.585.270.012.735.000.01115
9 Mo CD - $10k1.246.910.013.075.330.01183
1 Yr CD - $10k1.645.000.012.965.120.01132
18 Mo CD - $10k1.425.500.012.925.330.01150
2 Yr CD - $10k1.514.580.012.864.590.01135
30 Mo CD - $10k1.196.910.012.844.710.05164
3 Yr CD - $10k1.395.500.012.824.600.01143
4 Yr CD - $10k1.375.500.012.844.700.05148
5 Yr CD - $10k1.425.500.012.914.500.01149
3 Mo CD - $100k1.215.500.012.035.330.0282
6 Mo CD - $100k1.635.270.012.755.000.01113
9 Mo CD - $100k1.316.910.013.095.330.01178
1 Yr CD - $100k1.705.000.013.005.150.01131
18 Mo CD - $100k1.465.500.012.955.330.01149
2 Yr CD - $100k1.574.590.012.904.590.01134
30 Mo CD - $100k1.246.910.012.864.700.05163
3 Yr CD - $100k1.445.500.012.874.600.01143
4 Yr CD - $100k1.405.500.012.874.700.05147
5 Yr CD - $100k1.465.500.012.954.550.01149
Youth/Student Checking   0.100.100.10 
High Rate Checking0.687.000.013.027.500.01234
Basic Checking0.1211.000.000.226.000.0111
HSA - $1k0.060.110.010.271.010.0121
HSA - $10k0.691.250.150.472.530.01-22
HSA - $25k0.742.020.240.593.050.01-15
IRA - 1 Year - $10k1.535.000.012.954.750.01142
IRA - 1 Year - $100k1.584.450.013.0510.650.01147
IRA - Liquid - $10k0.405.000.010.665.300.0125
IRA - Liquid - $100k0.694.700.010.725.090.013
High Rate Money Market - $2.5k0.583.500.050.643.500.016
Money Market - $2.5k0.374.250.010.735.040.0036
Money Market - $10k0.444.250.010.834.070.0140
High Rate Money Market - $10k1.203.900.011.263.570.016
High Rate Money Market - $25k1.453.900.011.613.690.0115
Money Market - $25k0.564.500.010.984.250.0142
Money Market - $50k0.654.500.011.145.000.0149
High Rate Money Market - $50k1.553.900.011.803.930.0125
High Rate Money Market - $100k1.713.900.012.134.000.0542
Money Market - $100k0.834.500.011.375.000.0155
Money Market - $250k0.945.000.011.515.000.0157
High Rate Money Market - $250k1.853.900.012.344.050.0549
Money Market - $500k0.874.650.011.525.000.0165
High Rate Money Market - $500k1.803.820.102.154.000.4035
High Rate Money Market - $1 million1.883.950.102.334.000.4045
Money Market - $1 million0.914.650.011.575.000.0166
Youth/Student Savings   1.175.000.02 
High Rate Savings0.695.000.022.4310.000.01174
Regular Savings0.195.000.010.196.000.000
New Auto - 24 Mo6.3711.003.744.9513.251.99-142
New Auto - 36 Mo7.0117.502.655.0013.251.99-201
New Auto - 48 Mo7.0717.502.655.1113.251.99-196
New Auto - 60 Mo7.1517.501.065.2213.251.99-193
New Auto - 72 Mo7.1813.752.655.479.951.99-171
New Auto - 84 Mo6.7511.004.295.779.951.99-98
Used Auto - 24 Mo6.5611.754.295.1710.591.99-139
Used Auto - 36 Mo7.3818.002.955.2111.001.99-217
Used Auto - 48 Mo7.4518.002.955.3311.001.99-213
Used Auto - 60 Mo7.4318.002.955.4311.001.99-200
Used Auto - 72 Mo7.3313.751.115.6913.001.99-164
Used Auto - 84 Mo6.828.994.296.0012.191.99-82
Used Boat-60 Mo8.1413.185.597.4618.002.50-68
New Boat-60 Mo8.4117.500.507.3418.002.50-107
Rewards Credit Card17.5229.905.9913.5522.151.00-397
Credit Card Platinum16.5028.992.0012.2328.991.00-427
Credit Card Classic15.9729.900.1012.8029.501.00-317
Home Equity - LOC 80%7.6616.000.256.8518.000.25-82
Home Equity - 5 Yr 80%7.4012.504.006.6112.501.00-79
Home Equity - 10 Yr 80%7.5212.502.506.9612.901.00-55
Home Equity - 15 Yr 80%7.5712.992.507.2513.001.00-32
7 Yr ARM6.4028.5001.0006.1018.5851.000-30
3 Yr ARM6.4799.7501.0006.0338.5001.000-45
5 Yr ARM6.40010.2502.0005.9578.9001.000-44
15 Yr Fixed6.06011.0002.0005.9329.7501.000-13
20 Yr Fixed6.4549.0004.6186.3368.7001.000-12
30 Yr Fixed6.50311.4500.1256.3839.9501.000-12
15 Yr Fixed-Jumbo6.2256.1716.0385.8726.9155.290-35
20 Yr Fixed-Jumbo6.7366.6556.1625.9796.3235.520-76
7 Yr ARM-Jumbo6.3966.3316.2866.1077.5035.000-29
5 Yr ARM-Jumbo6.3816.3136.3046.3606.6476.154-2
30 Yr Fixed-Jumbo6.7956.7406.1486.5217.1725.890-27
Used Motorcycle-60 Mo7.9813.185.597.2313.992.00-75
New Motorcycle-60 Mo7.8410.755.596.9816.752.00-86
Used Motorhome-60 Mo8.2712.055.757.4118.002.00-86
New Motorhome-60 Mo8.4118.001.757.3318.001.00-108
Student Loan-10 Year6.106.106.105.096.753.24-101
Unsecured - 36 Mo11.2525.175.0010.6336.001.99-62
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* Represents the difference in the average rate between banks and credit unions.