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 - $10k1.364.000.012.195.330.1083
6 Mo CD - $10k1.843.950.012.814.070.1097
9 Mo CD - $10k1.943.850.013.155.330.50121
1 Yr CD - $10k1.853.870.013.064.550.20122
18 Mo CD - $10k1.793.750.013.035.330.60123
2 Yr CD - $10k1.693.700.012.924.500.40124
30 Mo CD - $10k1.564.500.013.073.850.80151
3 Yr CD - $10k1.563.700.012.894.300.50133
4 Yr CD - $10k1.583.750.012.904.200.65132
5 Yr CD - $10k1.653.800.012.963.950.70131
3 Mo CD - $100k1.424.000.012.155.330.1073
6 Mo CD - $100k1.893.950.012.794.070.1089
9 Mo CD - $100k1.983.850.013.175.330.40118
1 Yr CD - $100k1.893.870.013.065.150.20117
18 Mo CD - $100k1.843.750.013.025.330.60117
2 Yr CD - $100k1.743.700.012.924.550.40118
30 Mo CD - $100k1.595.000.013.073.850.80147
3 Yr CD - $100k1.593.700.012.894.350.50130
4 Yr CD - $100k1.613.750.012.893.830.65128
5 Yr CD - $100k1.653.800.012.964.000.70131
High Rate Checking1.413.750.013.556.750.05214
Basic Checking0.101.330.010.172.500.016
IRA - 1 Year - $10k1.823.840.013.014.070.15118
IRA - 1 Year - $100k2.173.850.013.024.070.0185
IRA - Liquid - $10k0.443.650.010.484.080.014
IRA - Liquid - $100k0.903.200.010.544.080.01-36
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.393.200.010.893.690.0150
Money Market - $10k0.513.200.010.963.150.0145
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 - $100k0.953.300.011.403.400.0145
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 Mo6.8812.992.655.037.492.99-184
New Auto - 48 Mo6.9512.992.655.137.492.99-183
New Auto - 60 Mo6.9712.992.655.257.493.50-173
New Auto - 72 Mo7.2210.022.655.577.493.99-164
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 Mo7.2913.993.805.257.503.49-204
Used Auto - 48 Mo7.3713.995.065.357.503.49-202
Used Auto - 60 Mo7.3513.993.805.477.753.99-189
Used Auto - 72 Mo7.3010.023.805.8013.003.99-150
Used Auto - 84 Mo7.318.994.946.037.043.99-128
Used Boat-60 Mo6.246.495.997.4610.742.50122
New Boat-60 Mo8.0912.545.507.4714.002.50-62
Rewards Credit Card17.4624.9912.9913.0118.006.75-445
Credit Card Platinum16.5322.999.9911.9317.996.90-461
Credit Card Classic15.5420.2410.9912.1527.742.90-339
Home Equity - LOC 80%7.1611.055.506.558.501.99-61
Home Equity - 5 Yr 80%6.499.144.945.878.753.75-62
Home Equity - 10 Yr 80%6.769.255.046.289.244.75-48
Home Equity - 15 Yr 80%6.959.505.246.6410.045.00-31
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 Mo7.497.497.496.9311.242.00-56
New Motorcycle-60 Mo7.497.497.496.5811.242.00-91
Used Motorhome-60 Mo6.376.496.247.4811.242.00111
New Motorhome-60 Mo8.0412.785.507.4614.002.00-58
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.0916.256.7410.1617.491.99-92
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* Represents the difference in the average rate between banks and credit unions.