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 - $10k1.423.800.012.873.450.20145
6 Mo CD - $10k1.814.000.012.393.630.0158
9 Mo CD - $10k1.654.150.012.904.950.01125
1 Yr CD - $10k2.004.000.012.643.630.0565
18 Mo CD - $10k1.984.000.013.123.631.50115
2 Yr CD - $10k1.803.950.012.363.540.4056
30 Mo CD - $10k1.333.450.011.903.340.4557
3 Yr CD - $10k1.523.900.012.353.340.1083
4 Yr CD - $10k1.513.850.012.693.342.15118
5 Yr CD - $10k1.573.900.012.483.340.1590
3 Mo CD - $100k1.503.800.013.003.700.20151
6 Mo CD - $100k1.874.000.012.273.800.0140
9 Mo CD - $100k1.704.150.012.904.950.01119
1 Yr CD - $100k2.054.000.012.593.730.0554
18 Mo CD - $100k2.114.000.013.153.631.50104
2 Yr CD - $100k1.853.950.012.303.540.4045
30 Mo CD - $100k1.513.450.011.953.440.4543
3 Yr CD - $100k1.583.900.012.343.440.1077
4 Yr CD - $100k1.543.850.012.723.442.15118
5 Yr CD - $100k1.673.900.012.503.440.1583
High Rate Checking0.351.000.011.922.751.00157
Basic Checking0.060.350.010.050.200.01-1
IRA - 1 Year - $10k1.843.750.012.723.630.3088
IRA - 1 Year - $100k2.063.600.013.293.653.00123
IRA - Liquid - $10k0.814.000.010.270.750.01-54
IRA - Liquid - $100k1.843.500.010.351.000.10-149
Money Market - $2.5k0.403.300.010.521.400.0513
Money Market - $10k0.663.300.010.541.500.10-12
High Rate Money Market - $10k2.962.962.96    
High Rate Money Market - $25k1.302.960.03    
Money Market - $25k0.703.300.010.771.600.107
Money Market - $50k0.763.300.010.891.750.1012
High Rate Money Market - $50k1.432.960.03    
High Rate Money Market - $100k1.662.960.03    
Money Market - $100k0.913.350.011.062.600.1515
Money Market - $250k0.933.350.011.392.600.2046
High Rate Money Market - $250k1.762.960.05    
Money Market - $500k0.913.350.031.552.500.2064
Money Market - $1 million1.023.350.031.552.500.2054
High Rate Savings1.283.650.022.503.002.00122
Regular Savings0.704.000.010.090.250.01-61
New Auto - 24 Mo6.358.995.347.5813.255.50123
New Auto - 36 Mo7.118.995.445.8913.254.99-122
New Auto - 48 Mo7.268.995.445.9413.254.99-132
New Auto - 60 Mo7.268.995.445.9713.254.99-129
New Auto - 72 Mo7.428.995.745.627.254.99-180
New Auto - 84 Mo6.878.995.645.876.395.50-101
Used Auto - 24 Mo6.558.995.646.9810.595.5043
Used Auto - 36 Mo7.438.995.645.7710.594.99-166
Used Auto - 48 Mo7.518.995.645.8210.594.99-169
Used Auto - 60 Mo7.508.995.645.8510.594.99-165
Used Auto - 72 Mo7.578.046.796.0111.494.99-155
Used Auto - 84 Mo7.148.995.647.3812.195.5024
Used Boat-60 Mo5.995.995.997.8611.005.65187
New Boat-60 Mo8.4010.007.008.2711.005.65-12
Rewards Credit Card17.9320.2415.9913.5217.7410.90-441
Credit Card Platinum17.1321.2413.9912.5017.249.99-463
Credit Card Classic17.5320.9913.7411.7512.759.88-578
Home Equity - LOC 80%7.7110.746.506.467.005.75-124
Home Equity - 5 Yr 80%7.398.506.256.287.995.12-111
Home Equity - 10 Yr 80%7.307.596.756.438.245.75-87
Home Equity - 15 Yr 80%7.648.507.386.548.495.85-109
7 Yr ARM6.2906.5035.9616.1166.5395.500-17
3 Yr ARM 
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 Mo7.497.497.497.478.755.65-2
New Motorcycle-60 Mo7.497.497.497.358.755.65-14
Used Motorhome-60 Mo6.246.246.246.817.495.6557
New Motorhome-60 Mo8.4510.007.006.918.495.65-154
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo10.3415.006.749.4811.247.50-85
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* Represents the difference in the average rate between banks and credit unions.