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.

Sort by Product  / State

Illinois

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.153.900.011.405.330.0526
6 Mo CD - $10k1.594.160.012.184.790.0660
9 Mo CD - $10k1.895.000.012.965.330.01107
1 Yr CD - $10k1.774.000.012.255.000.0148
18 Mo CD - $10k1.604.010.012.585.330.0198
2 Yr CD - $10k1.714.060.012.274.500.0157
30 Mo CD - $10k1.634.000.012.413.900.5079
3 Yr CD - $10k1.724.060.012.314.250.0159
4 Yr CD - $10k1.804.060.012.384.200.6058
5 Yr CD - $10k1.884.110.012.264.000.0138
3 Mo CD - $100k1.203.900.011.555.330.0536
6 Mo CD - $100k1.654.160.012.264.750.0661
9 Mo CD - $100k1.945.000.013.055.330.01111
1 Yr CD - $100k1.834.000.012.345.000.0152
18 Mo CD - $100k1.644.010.012.435.330.0180
2 Yr CD - $100k1.744.060.012.414.500.0167
30 Mo CD - $100k1.644.000.012.453.860.5081
3 Yr CD - $100k1.754.060.012.404.250.0164
4 Yr CD - $100k1.814.060.012.434.000.6062
5 Yr CD - $100k1.904.110.012.404.000.0150
High Rate Checking1.104.250.013.546.500.05245
Basic Checking0.141.340.000.234.500.0110
HSA - $1k0.010.010.010.200.200.2019
HSA - $10k1.251.251.250.300.300.30-95
HSA - $25k   0.350.350.35 
IRA - 1 Year - $10k1.584.000.012.314.250.0172
IRA - 1 Year - $100k1.483.700.012.874.250.30139
IRA - Liquid - $10k0.584.700.010.584.080.01-1
IRA - Liquid - $100k1.094.700.010.754.080.01-34
High Rate Money Market - $2.5k0.530.750.301.723.500.25119
Money Market - $2.5k0.403.750.010.773.140.0137
Money Market - $10k0.483.750.010.883.140.0139
High Rate Money Market - $10k1.163.750.011.463.500.2530
High Rate Money Market - $25k1.263.750.011.693.500.2543
Money Market - $25k0.643.750.011.033.140.0139
Money Market - $50k0.723.750.011.183.140.0146
High Rate Money Market - $50k1.543.750.011.793.500.2525
High Rate Money Market - $100k1.803.750.012.223.551.5542
Money Market - $100k0.913.760.011.333.140.0142
Money Market - $250k1.013.760.011.403.140.0139
High Rate Money Market - $250k1.923.750.012.343.601.6542
Money Market - $500k1.003.820.011.553.250.1556
High Rate Money Market - $500k2.673.820.752.463.651.85-22
High Rate Money Market - $1 million2.673.820.752.563.652.05-12
Money Market - $1 million1.033.820.011.603.500.1557
High Rate Savings1.294.250.022.5610.000.05127
Regular Savings0.213.750.010.214.080.010
New Auto - 24 Mo6.288.594.994.566.492.99-172
New Auto - 36 Mo6.8717.503.754.707.492.99-217
New Auto - 48 Mo6.9717.503.754.837.492.99-213
New Auto - 60 Mo7.0617.503.754.937.493.50-214
New Auto - 72 Mo7.119.853.755.217.593.99-190
New Auto - 84 Mo6.498.595.395.777.494.00-72
Used Auto - 24 Mo6.7210.034.994.906.493.49-182
Used Auto - 36 Mo7.2318.004.005.127.743.49-211
Used Auto - 48 Mo7.3718.004.005.257.743.99-213
Used Auto - 60 Mo7.3718.004.005.347.743.99-203
Used Auto - 72 Mo7.1110.103.345.617.743.34-150
Used Auto - 84 Mo6.478.595.396.148.004.49-32
Used Boat-60 Mo7.749.845.757.0611.294.49-68
New Boat-60 Mo8.3317.505.097.5213.684.25-80
Rewards Credit Card16.7120.498.5014.1619.908.50-255
Credit Card Platinum16.0928.249.9013.4617.246.90-263
Credit Card Classic15.0529.247.9913.9028.245.00-116
Home Equity - LOC 80%7.5610.753.256.6018.000.50-96
Home Equity - 5 Yr 80%7.6510.005.506.9211.505.49-73
Home Equity - 10 Yr 80%7.7610.106.157.359.705.64-41
Home Equity - 15 Yr 80%7.7810.306.157.559.956.00-23
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 Mo7.809.995.756.7611.294.49-104
New Motorcycle-60 Mo7.809.995.756.419.144.49-139
Used Motorhome-60 Mo7.739.845.757.0012.004.49-73
New Motorhome-60 Mo8.4118.005.097.4713.684.25-95
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.9819.756.5011.0420.006.75-95
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.