RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,849 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 - $10k1.354.000.012.195.330.1084
6 Mo CD - $10k1.833.940.012.804.070.1098
9 Mo CD - $10k1.963.780.013.145.330.50118
1 Yr CD - $10k1.843.870.013.064.550.20123
18 Mo CD - $10k1.793.750.013.035.330.60124
2 Yr CD - $10k1.703.650.012.934.500.40122
30 Mo CD - $10k1.554.500.013.073.830.80152
3 Yr CD - $10k1.563.650.012.894.300.50133
4 Yr CD - $10k1.583.700.012.904.200.65132
5 Yr CD - $10k1.643.780.012.963.950.70132
3 Mo CD - $100k1.404.000.012.155.330.1075
6 Mo CD - $100k1.863.940.012.784.070.1092
9 Mo CD - $100k2.003.780.013.165.330.40117
1 Yr CD - $100k1.883.870.013.065.150.20118
18 Mo CD - $100k1.833.750.013.025.330.60119
2 Yr CD - $100k1.753.650.012.924.550.40118
30 Mo CD - $100k1.585.000.013.073.850.80149
3 Yr CD - $100k1.593.650.012.894.350.50130
4 Yr CD - $100k1.603.700.012.893.830.65129
5 Yr CD - $100k1.653.780.012.964.000.70131
High Rate Checking1.413.750.013.556.750.05214
Basic Checking0.101.330.010.172.500.016
IRA - 1 Year - $10k1.823.840.013.014.070.15119
IRA - 1 Year - $100k2.173.850.013.024.070.0185
IRA - Liquid - $10k0.443.650.010.484.080.015
IRA - Liquid - $100k0.903.200.010.544.080.01-36
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.393.200.010.893.690.0149
Money Market - $10k0.513.200.010.963.150.0144
High Rate Money Market - $10k1.183.750.031.993.400.2581
High Rate Money Market - $25k1.363.750.032.253.400.2589
Money Market - $25k0.633.300.011.103.150.0147
Money Market - $50k0.723.300.011.233.150.0152
High Rate Money Market - $50k1.533.750.032.253.400.2573
High Rate Money Market - $100k1.943.750.032.443.400.4050
Money Market - $100k0.953.300.011.403.400.0146
Money Market - $250k1.073.300.011.473.650.0141
High Rate Money Market - $250k2.123.750.052.493.650.4038
Money Market - $500k0.873.200.011.513.650.1263
High Rate Money Market - $500k   1.762.630.80 
High Rate Money Market - $1 million   1.963.040.80 
Money Market - $1 million0.963.200.011.623.820.1266
High Rate Savings1.674.200.022.785.121.00111
Regular Savings0.183.410.010.214.890.013
New Auto - 24 Mo6.8710.174.944.896.492.99-198
New Auto - 36 Mo6.8812.992.655.037.492.99-186
New Auto - 48 Mo6.9212.992.655.127.492.99-181
New Auto - 60 Mo6.9912.992.655.247.492.99-175
New Auto - 72 Mo7.2210.022.655.577.493.50-165
New Auto - 84 Mo7.409.994.945.867.643.99-154
Used Auto - 24 Mo7.1510.624.945.186.993.99-197
Used Auto - 36 Mo7.3013.993.805.247.503.49-206
Used Auto - 48 Mo7.3513.995.065.347.503.49-201
Used Auto - 60 Mo7.3313.993.805.467.753.49-187
Used Auto - 72 Mo7.2910.023.805.8013.003.99-149
Used Auto - 84 Mo7.318.994.946.037.043.99-128
Used Boat-60 Mo6.246.495.997.4610.742.50122
New Boat-60 Mo7.9810.995.507.4714.002.50-51
Rewards Credit Card17.4424.9912.9913.0018.006.75-444
Credit Card Platinum16.5122.999.9911.9317.996.90-458
Credit Card Classic15.5420.2410.9912.1527.742.90-339
Home Equity - LOC 80%7.1711.055.506.558.501.99-61
Home Equity - 5 Yr 80%6.499.144.945.868.753.75-63
Home Equity - 10 Yr 80%6.769.255.046.289.244.75-48
Home Equity - 15 Yr 80%6.949.505.246.6310.045.00-30
7 Yr ARM6.3807.4405.5006.1287.5182.875-25
3 Yr ARM5.8946.9905.0006.6108.1254.62572
5 Yr ARM6.2797.9294.8756.1507.2543.142-13
15 Yr Fixed5.9797.2505.0005.9697.6255.000-1
20 Yr Fixed6.3346.9125.6576.2826.7535.306-5
30 Yr Fixed6.4268.0005.6006.3768.1255.000-5
15 Yr Fixed-Jumbo6.2176.1036.103 
20 Yr Fixed-Jumbo6.7446.6516.651 
7 Yr ARM-Jumbo6.3956.3266.3265.0645.0005.000-133
5 Yr ARM-Jumbo6.4046.3356.335 
30 Yr Fixed-Jumbo6.8086.7376.737 
Used Motorcycle-60 Mo7.497.497.496.9311.242.00-56
New Motorcycle-60 Mo7.497.497.496.5811.242.00-91
Used Motorhome-60 Mo6.376.496.247.4811.242.00111
New Motorhome-60 Mo7.9210.995.507.4614.002.00-46
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.0916.256.7410.1717.491.99-92
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* Represents the difference in the average rate between banks and credit unions.