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 - $10k1.663.920.012.773.750.10111
6 Mo CD - $10k2.234.160.013.233.950.25100
9 Mo CD - $10k1.543.800.013.474.002.74193
1 Yr CD - $10k2.214.000.013.253.750.30103
18 Mo CD - $10k2.074.010.013.174.501.60109
2 Yr CD - $10k1.964.060.013.064.250.50111
30 Mo CD - $10k1.833.620.013.053.452.03122
3 Yr CD - $10k1.884.060.013.063.850.60118
4 Yr CD - $10k1.804.060.013.104.200.70131
5 Yr CD - $10k1.854.110.013.124.140.75127
3 Mo CD - $100k1.743.970.012.854.200.10111
6 Mo CD - $100k2.284.250.013.284.030.25100
9 Mo CD - $100k1.633.800.013.474.002.74184
1 Yr CD - $100k2.284.500.013.303.800.30103
18 Mo CD - $100k2.125.050.013.183.751.60106
2 Yr CD - $100k2.014.060.013.083.850.50107
30 Mo CD - $100k1.824.250.013.113.542.13129
3 Yr CD - $100k1.934.060.013.063.950.60113
4 Yr CD - $100k1.833.900.013.104.050.70127
5 Yr CD - $100k1.904.000.013.144.340.75125
High Rate Checking1.423.450.012.425.000.03100
Basic Checking0.151.980.010.293.000.0114
IRA - 1 Year - $10k2.064.000.013.263.800.30120
IRA - 1 Year - $100k1.724.000.013.434.002.15171
IRA - Liquid - $10k0.603.500.010.534.080.01-8
IRA - Liquid - $100k0.953.300.010.664.080.01-29
High Rate Money Market - $2.5k0.150.150.150.881.500.2573
Money Market - $2.5k0.453.060.010.733.100.0528
Money Market - $10k0.523.060.010.833.100.0532
High Rate Money Market - $10k1.283.750.080.250.250.25-103
High Rate Money Market - $25k1.413.750.100.250.250.25-116
Money Market - $25k0.613.300.010.963.200.0534
Money Market - $50k0.753.300.011.153.250.0540
High Rate Money Market - $50k1.553.750.100.250.250.25-130
High Rate Money Market - $100k1.673.750.101.891.981.5523
Money Market - $100k0.923.300.011.393.250.0547
Money Market - $250k1.023.300.011.463.250.0544
High Rate Money Market - $250k1.963.750.102.112.231.6515
Money Market - $500k0.733.090.011.693.500.0596
High Rate Money Market - $500k2.413.561.251.851.851.85-56
High Rate Money Market - $1 million2.413.561.252.052.052.05-36
Money Market - $1 million0.773.090.011.693.500.0592
High Rate Savings0.663.000.023.196.170.30254
Regular Savings0.403.740.010.284.080.01-12
New Auto - 24 Mo6.7710.174.295.2513.253.89-152
New Auto - 36 Mo6.9311.504.295.1513.253.89-178
New Auto - 48 Mo7.0411.504.295.1813.254.24-186
New Auto - 60 Mo7.1211.504.295.2313.254.29-189
New Auto - 72 Mo7.2210.174.295.356.594.49-187
New Auto - 84 Mo6.798.594.295.768.244.49-103
Used Auto - 24 Mo7.5010.624.295.3210.594.49-217
Used Auto - 36 Mo7.2712.504.295.2010.593.99-208
Used Auto - 48 Mo7.3812.504.295.2310.594.24-215
Used Auto - 60 Mo7.3610.624.295.2910.594.49-207
Used Auto - 72 Mo7.2910.624.295.5211.494.49-177
Used Auto - 84 Mo6.798.594.296.1612.194.49-63
Used Boat-60 Mo7.999.297.197.4910.743.25-51
New Boat-60 Mo8.1111.005.137.7911.243.25-32
Rewards Credit Card17.1023.249.9913.4417.996.75-366
Credit Card Platinum15.8018.746.9011.6017.997.24-420
Credit Card Classic15.3724.996.9013.9229.506.75-145
Home Equity - LOC 80%7.679.256.757.1314.003.99-54
Home Equity - 5 Yr 80%8.2010.616.007.018.894.85-119
Home Equity - 10 Yr 80%8.2912.146.007.208.895.00-109
Home Equity - 15 Yr 80%8.0410.616.007.378.895.25-67
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 Mo7.128.245.997.6810.144.4957
New Motorcycle-60 Mo7.128.245.997.5410.144.4942
Used Motorhome-60 Mo8.329.297.197.579.744.49-75
New Motorhome-60 Mo8.1711.005.137.7718.004.49-40
Student Loan-10 Year   6.006.006.00 
Unsecured - 36 Mo10.7215.007.9910.7215.006.09-1
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* Represents the difference in the average rate between banks and credit unions.