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 - $10k1.294.000.011.463.750.3017
6 Mo CD - $10k2.114.000.012.334.000.5022
9 Mo CD - $10k2.293.940.012.194.300.50-10
1 Yr CD - $10k2.083.940.012.684.000.3061
18 Mo CD - $10k1.964.000.012.554.000.3559
2 Yr CD - $10k1.933.590.012.793.750.5086
30 Mo CD - $10k1.783.460.012.933.751.51114
3 Yr CD - $10k1.823.750.012.813.751.2199
4 Yr CD - $10k1.763.490.012.813.751.00105
5 Yr CD - $10k1.833.530.013.063.751.74123
3 Mo CD - $100k1.304.000.011.513.800.3021
6 Mo CD - $100k2.064.000.012.354.000.6029
9 Mo CD - $100k2.323.940.012.044.300.60-28
1 Yr CD - $100k2.133.940.012.794.001.1066
18 Mo CD - $100k1.964.000.012.654.001.1069
2 Yr CD - $100k1.933.590.012.913.801.5197
30 Mo CD - $100k1.813.460.012.933.801.51112
3 Yr CD - $100k1.863.750.012.883.801.21102
4 Yr CD - $100k1.783.490.012.833.801.00104
5 Yr CD - $100k1.783.530.013.103.801.74132
High Rate Checking0.030.050.014.055.002.25402
Basic Checking0.234.540.010.221.000.02-1
IRA - 1 Year - $10k1.875.000.032.624.751.0075
IRA - 1 Year - $100k2.113.250.102.184.800.107
IRA - Liquid - $10k0.743.690.010.832.750.019
IRA - Liquid - $100k0.631.850.010.592.890.05-4
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.582.500.011.083.150.0150
Money Market - $10k0.663.500.011.303.150.0564
High Rate Money Market - $10k0.440.760.052.203.150.30176
High Rate Money Market - $25k0.852.000.353.153.153.15230
Money Market - $25k0.702.500.011.353.520.1065
Money Market - $50k0.833.500.011.533.520.1069
High Rate Money Market - $50k0.962.250.373.173.203.15221
High Rate Money Market - $100k1.402.500.373.353.403.25195
Money Market - $100k1.023.950.011.693.520.1567
Money Market - $250k1.083.950.011.703.650.2062
High Rate Money Market - $250k1.402.500.373.553.653.35215
Money Market - $500k1.033.250.011.603.650.3057
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.033.250.011.603.650.3057
High Rate Savings0.030.040.021.401.401.40137
Regular Savings0.251.210.010.244.890.01-2
New Auto - 24 Mo6.418.115.444.888.993.74-153
New Auto - 36 Mo7.5711.254.964.838.993.74-274
New Auto - 48 Mo7.5911.254.964.746.743.74-285
New Auto - 60 Mo7.6111.254.964.907.253.74-272
New Auto - 72 Mo7.5110.704.965.107.252.90-241
New Auto - 84 Mo6.336.665.995.046.243.74-129
Used Auto - 24 Mo6.468.175.645.128.993.99-133
Used Auto - 36 Mo7.8511.755.205.056.903.95-280
Used Auto - 48 Mo7.7611.505.205.278.993.95-249
Used Auto - 60 Mo7.7210.755.205.277.853.95-245
Used Auto - 72 Mo7.769.755.745.427.853.95-234
Used Auto - 84 Mo6.336.665.995.256.244.24-107
Used Boat-60 Mo8.138.138.136.7910.194.99-134
New Boat-60 Mo8.2913.254.966.5210.184.94-177
Rewards Credit Card16.7523.2411.9514.4718.007.99-228
Credit Card Platinum15.5818.9910.9015.6728.998.459
Credit Card Classic16.2828.2411.4012.8417.258.50-344
Home Equity - LOC 80%7.9211.505.495.997.753.50-193
Home Equity - 5 Yr 80%7.899.506.757.269.905.50-62
Home Equity - 10 Yr 80%7.059.505.757.5112.905.5046
Home Equity - 15 Yr 80%7.069.505.757.4913.005.5043
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 Mo7.667.667.666.778.995.85-89
New Motorcycle-60 Mo7.667.667.666.498.995.40-117
Used Motorhome-60 Mo8.088.088.086.7110.194.99-137
New Motorhome-60 Mo8.2011.754.966.5210.184.84-168
Unsecured - 36 Mo10.6714.996.7411.0718.006.9940
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* Represents the difference in the average rate between banks and credit unions.