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 4/8/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.784.000.012.455.330.0566
6 Mo CD - $10k2.394.300.013.054.090.0566
9 Mo CD - $10k2.224.050.013.555.330.70133
1 Yr CD - $10k2.504.500.013.274.500.1076
18 Mo CD - $10k2.284.100.013.185.330.1591
2 Yr CD - $10k2.194.250.013.083.920.2089
30 Mo CD - $10k1.853.650.013.103.750.40125
3 Yr CD - $10k2.154.150.013.044.000.3089
4 Yr CD - $10k2.154.100.013.004.200.3585
5 Yr CD - $10k2.164.350.013.034.140.4086
3 Mo CD - $100k1.984.000.012.585.330.0561
6 Mo CD - $100k2.524.300.013.124.300.0560
9 Mo CD - $100k2.414.500.013.495.330.70108
1 Yr CD - $100k2.644.500.013.344.650.1071
18 Mo CD - $100k2.374.400.013.235.330.1586
2 Yr CD - $100k2.314.250.013.144.020.2082
30 Mo CD - $100k1.953.650.013.183.870.55123
3 Yr CD - $100k2.224.150.013.084.250.3087
4 Yr CD - $100k2.194.100.013.034.000.3584
5 Yr CD - $100k2.214.350.013.074.340.4086
High Rate Checking1.214.070.012.656.100.02143
Basic Checking0.263.000.000.205.120.01-7
HSA - $10k   0.300.300.30 
HSA - $25k   0.300.300.30 
IRA - 1 Year - $10k2.384.250.013.284.750.1090
IRA - 1 Year - $100k1.973.950.013.5910.650.10162
IRA - Liquid - $10k1.233.860.010.724.080.01-51
IRA - Liquid - $100k1.272.500.010.734.080.01-54
High Rate Money Market - $2.5k0.721.250.150.250.250.25-47
Money Market - $2.5k0.643.750.010.703.150.006
Money Market - $10k0.703.750.010.783.150.057
High Rate Money Market - $10k1.523.440.030.591.750.05-93
High Rate Money Market - $25k1.833.440.081.263.150.25-57
Money Market - $25k0.804.400.010.873.200.056
Money Market - $50k0.894.400.010.983.500.059
High Rate Money Market - $50k1.823.440.101.723.200.25-11
High Rate Money Market - $100k1.913.440.102.063.250.5014
Money Market - $100k1.094.400.011.123.500.052
Money Market - $250k1.244.500.011.183.500.05-6
High Rate Money Market - $250k2.053.440.102.203.350.5015
Money Market - $500k1.044.400.011.373.500.0534
High Rate Money Market - $500k2.333.002.001.851.851.85-48
High Rate Money Market - $1 million2.423.252.002.052.052.05-37
Money Market - $1 million1.104.400.011.443.820.0535
Youth/Student Savings   0.250.250.25 
High Rate Savings1.503.650.022.505.000.85100
Regular Savings0.424.000.010.254.890.00-18
New Auto - 24 Mo5.516.664.294.7913.253.24-72
New Auto - 36 Mo7.2614.003.754.798.992.99-247
New Auto - 48 Mo7.3614.003.954.918.993.50-245
New Auto - 60 Mo7.4514.003.955.027.003.65-243
New Auto - 72 Mo7.3513.754.255.248.003.65-210
New Auto - 84 Mo5.596.664.295.569.003.67-3
Used Auto - 24 Mo5.947.844.294.9310.593.24-101
Used Auto - 36 Mo7.9514.004.504.998.993.24-296
Used Auto - 48 Mo7.9614.004.505.118.993.50-285
Used Auto - 60 Mo7.7114.004.515.218.253.65-251
Used Auto - 72 Mo7.4013.754.515.378.003.65-202
Used Auto - 84 Mo5.776.794.295.7512.193.90-2
Used Boat-60 Mo8.1910.056.497.0412.603.69-115
New Boat-60 Mo8.1214.001.756.9111.853.69-121
Rewards Credit Card17.4529.909.7514.0418.497.90-341
Credit Card Platinum15.4620.4910.2412.3118.993.00-316
Credit Card Classic15.1828.246.9012.7728.245.75-241
Home Equity - LOC 80%7.7110.055.496.9312.003.00-79
Home Equity - 5 Yr 80%7.9410.954.756.549.904.50-140
Home Equity - 10 Yr 80%8.0410.955.756.8012.904.50-124
Home Equity - 15 Yr 80%7.7710.616.496.9613.004.50-81
7 Yr ARM6.6438.0003.7506.1917.4535.250-45
3 Yr ARM7.0119.4905.4006.5958.0005.125-42
5 Yr ARM6.9059.9904.5006.1017.5335.250-80
15 Yr Fixed6.26411.0005.0006.0477.5002.210-22
20 Yr Fixed6.3456.6555.7526.2127.7552.692-13
30 Yr Fixed6.5958.0005.7506.3618.0002.672-23
15 Yr Fixed-Jumbo6.2236.1096.109 
20 Yr Fixed-Jumbo6.7446.6516.651 
7 Yr ARM-Jumbo6.4006.3316.331 
5 Yr ARM-Jumbo6.3826.3136.313 
30 Yr Fixed-Jumbo6.8086.7376.737 
Used Motorcycle-60 Mo7.939.805.996.8211.853.50-111
New Motorcycle-60 Mo7.879.805.996.7010.853.50-117
Used Motorhome-60 Mo8.5212.056.496.9311.503.50-159
New Motorhome-60 Mo7.9714.001.756.9311.503.50-105
Unsecured - 36 Mo11.5517.956.7410.2216.246.00-133
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* Represents the difference in the average rate between banks and credit unions.