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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.184.000.011.823.800.0264
6 Mo CD - $10k1.623.950.012.734.600.01111
9 Mo CD - $10k2.013.870.013.155.300.70114
1 Yr CD - $10k1.723.870.013.224.550.12150
18 Mo CD - $10k1.744.050.013.154.600.18142
2 Yr CD - $10k1.523.680.013.164.500.20164
30 Mo CD - $10k1.533.680.012.633.560.25110
3 Yr CD - $10k1.483.680.013.124.300.30164
4 Yr CD - $10k1.483.680.013.164.200.45168
5 Yr CD - $10k1.583.680.013.194.000.60161
3 Mo CD - $100k1.224.000.012.094.460.0287
6 Mo CD - $100k1.613.950.012.744.600.01113
9 Mo CD - $100k2.023.870.013.145.300.70112
1 Yr CD - $100k1.743.870.013.275.150.12153
18 Mo CD - $100k1.733.730.013.144.200.18141
2 Yr CD - $100k1.533.680.013.184.550.20165
30 Mo CD - $100k1.563.680.012.633.660.25107
3 Yr CD - $100k1.493.680.013.164.350.30167
4 Yr CD - $100k1.493.680.013.144.000.45164
5 Yr CD - $100k1.593.680.013.194.000.60160
High Rate Checking0.020.030.012.525.250.10250
Basic Checking0.112.420.010.225.250.0112
IRA - 1 Year - $10k1.573.870.013.134.650.01157
IRA - 1 Year - $100k1.233.240.013.124.650.01189
IRA - Liquid - $10k0.314.190.010.864.080.0155
IRA - Liquid - $100k1.032.000.010.564.080.01-47
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.293.740.010.623.100.0133
Money Market - $10k0.373.740.010.683.100.0331
High Rate Money Market - $10k1.633.400.050.651.490.13-99
High Rate Money Market - $25k2.023.460.050.671.490.25-135
Money Market - $25k0.493.740.010.753.200.0526
Money Market - $50k0.623.740.010.853.200.0523
High Rate Money Market - $50k2.503.460.050.601.000.25-190
High Rate Money Market - $100k2.933.461.851.332.450.25-160
Money Market - $100k0.823.740.011.003.500.0517
Money Market - $250k0.913.740.011.093.500.0518
High Rate Money Market - $250k2.573.460.011.372.450.25-120
Money Market - $500k0.863.660.011.053.200.0519
High Rate Money Market - $500k2.002.002.001.851.851.85-15
High Rate Money Market - $1 million2.002.002.002.052.052.055
Money Market - $1 million0.933.660.011.053.200.0512
High Rate Savings0.823.200.022.833.751.50201
Regular Savings0.193.200.010.174.080.01-2
New Auto - 24 Mo6.278.994.944.756.493.09-152
New Auto - 36 Mo6.719.275.244.676.603.09-204
New Auto - 48 Mo6.779.275.244.866.603.09-191
New Auto - 60 Mo6.829.275.345.006.993.09-182
New Auto - 72 Mo6.868.995.645.337.493.99-154
New Auto - 84 Mo6.398.994.946.048.494.49-35
Used Auto - 24 Mo6.468.994.945.046.993.29-142
Used Auto - 36 Mo7.2410.775.244.956.993.29-229
Used Auto - 48 Mo7.2911.005.245.146.993.29-215
Used Auto - 60 Mo7.1911.255.445.296.993.29-190
Used Auto - 72 Mo7.048.495.745.667.493.99-138
Used Auto - 84 Mo6.598.994.946.328.494.49-27
Used Boat-60 Mo6.246.495.997.3114.492.50107
New Boat-60 Mo8.1311.505.497.2713.492.50-86
Rewards Credit Card17.1919.6511.2413.0018.006.75-420
Credit Card Platinum15.9319.499.7412.0818.007.90-385
Credit Card Classic15.2820.999.7412.1518.006.00-314
Home Equity - LOC 80%7.5916.005.506.848.753.50-75
Home Equity - 5 Yr 80%7.308.545.446.3612.503.75-94
Home Equity - 10 Yr 80%7.448.855.546.8412.505.49-60
Home Equity - 15 Yr 80%7.288.635.647.1112.505.49-17
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 Mo7.497.497.496.8112.992.00-68
New Motorcycle-60 Mo7.497.497.496.5112.392.00-98
Used Motorhome-60 Mo6.376.496.247.2714.492.0091
New Motorhome-60 Mo8.2012.545.497.3013.992.00-90
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.3219.006.7410.1936.004.99-112
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* Represents the difference in the average rate between banks and credit unions.