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 - $10k1.335.500.011.095.330.09-24
6 Mo CD - $10k1.653.830.012.084.790.1544
9 Mo CD - $10k1.685.500.012.705.330.60103
1 Yr CD - $10k1.583.800.012.554.300.2597
18 Mo CD - $10k1.475.500.012.445.330.3097
2 Yr CD - $10k1.303.700.012.283.990.3098
30 Mo CD - $10k1.155.500.012.603.900.50145
3 Yr CD - $10k1.355.500.012.213.870.5086
4 Yr CD - $10k1.355.500.012.204.200.5085
5 Yr CD - $10k1.305.500.012.393.870.50109
3 Mo CD - $100k1.405.500.011.125.330.09-28
6 Mo CD - $100k1.713.830.012.054.750.1535
9 Mo CD - $100k1.655.500.012.705.330.60105
1 Yr CD - $100k1.653.800.012.534.240.2587
18 Mo CD - $100k1.605.500.012.405.330.3080
2 Yr CD - $100k1.363.700.012.253.930.3088
30 Mo CD - $100k1.195.500.012.603.860.50141
3 Yr CD - $100k1.425.500.012.193.870.5077
4 Yr CD - $100k1.395.500.012.133.870.5074
5 Yr CD - $100k1.375.500.012.363.870.5099
High Rate Checking0.040.100.012.754.001.50271
Basic Checking0.081.980.010.111.250.012
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.493.780.012.424.180.2593
IRA - 1 Year - $100k2.243.700.013.324.181.80108
IRA - Liquid - $10k0.242.000.010.453.750.0121
IRA - Liquid - $100k1.342.000.010.552.530.01-79
High Rate Money Market - $2.5k   0.751.250.25 
Money Market - $2.5k0.342.960.010.391.650.015
Money Market - $10k0.412.960.010.501.650.019
High Rate Money Market - $10k0.812.960.020.441.250.05-37
High Rate Money Market - $25k0.812.960.020.371.250.05-44
Money Market - $25k0.563.400.010.641.650.019
Money Market - $50k0.643.400.010.782.020.0114
High Rate Money Market - $50k0.872.960.020.521.250.05-35
High Rate Money Market - $100k0.942.960.020.981.750.055
Money Market - $100k0.833.440.011.003.000.0118
Money Market - $250k0.923.440.011.123.000.0120
High Rate Money Market - $250k1.142.960.051.463.500.0533
Money Market - $500k1.353.400.031.122.020.01-22
High Rate Money Market - $500k   2.934.001.85 
High Rate Money Market - $1 million   3.034.002.05 
Money Market - $1 million1.423.400.031.122.020.01-30
High Rate Savings1.903.500.02    
Regular Savings0.183.150.010.203.250.012
New Auto - 24 Mo6.278.995.444.785.993.74-149
New Auto - 36 Mo7.539.994.994.956.503.74-258
New Auto - 48 Mo7.639.995.445.026.503.74-261
New Auto - 60 Mo7.7510.245.445.116.503.99-265
New Auto - 72 Mo7.5810.025.895.616.994.24-198
New Auto - 84 Mo6.688.995.646.027.504.80-66
Used Auto - 24 Mo6.398.995.645.006.494.24-139
Used Auto - 36 Mo8.1411.005.645.217.253.99-294
Used Auto - 48 Mo8.1911.245.645.297.254.49-291
Used Auto - 60 Mo7.8310.255.645.377.254.75-245
Used Auto - 72 Mo7.8710.025.995.907.254.80-198
Used Auto - 84 Mo6.788.995.646.397.505.35-39
Used Boat-60 Mo7.329.995.996.869.004.99-47
New Boat-60 Mo8.6812.007.007.3310.104.99-135
Rewards Credit Card18.1223.2416.4914.8918.009.00-323
Credit Card Platinum17.2321.2412.4914.1718.008.50-306
Credit Card Classic17.6228.2413.7413.3417.498.95-428
Home Equity - LOC 80%7.2310.746.236.757.754.50-48
Home Equity - 5 Yr 80%6.517.885.006.067.505.00-44
Home Equity - 10 Yr 80%6.908.306.006.417.655.25-48
Home Equity - 15 Yr 80%6.978.306.196.798.995.50-18
7 Yr ARM6.1037.4405.5005.8327.2505.000-27
3 Yr ARM5.8756.0005.5006.0106.4885.37514
5 Yr ARM5.9507.4465.2505.7177.0434.875-23
15 Yr Fixed5.8316.5004.8755.7186.2504.875-11
20 Yr Fixed6.4486.8195.7526.2076.5405.600-24
30 Yr Fixed6.3636.8755.6256.1896.5705.500-17
15 Yr Fixed-Jumbo6.2386.1246.124 
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.8116.7406.740 
Used Motorcycle-60 Mo7.067.496.196.7510.054.99-31
New Motorcycle-60 Mo6.897.495.697.0512.004.9916
Used Motorhome-60 Mo7.499.996.247.0710.494.99-43
New Motorhome-60 Mo9.1113.008.247.5810.494.99-153
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo12.3218.006.7410.1314.997.99-219
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* Represents the difference in the average rate between banks and credit unions.