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 - $10k0.933.510.012.275.330.25134
6 Mo CD - $10k0.663.200.012.464.050.15180
9 Mo CD - $10k0.321.850.012.935.331.50261
1 Yr CD - $10k0.973.200.012.764.000.20179
18 Mo CD - $10k0.803.150.012.915.331.00211
2 Yr CD - $10k0.723.250.012.533.600.25181
30 Mo CD - $10k0.090.250.012.602.892.00251
3 Yr CD - $10k0.773.250.012.563.600.25179
4 Yr CD - $10k0.843.300.012.764.200.30192
5 Yr CD - $10k0.823.300.012.623.650.65180
3 Mo CD - $100k0.963.510.012.515.330.25155
6 Mo CD - $100k0.703.200.012.554.050.15186
9 Mo CD - $100k0.341.950.012.945.331.50260
1 Yr CD - $100k1.013.200.012.844.000.20183
18 Mo CD - $100k0.833.150.012.955.331.00212
2 Yr CD - $100k0.743.250.012.553.700.25180
30 Mo CD - $100k0.110.250.012.602.892.00249
3 Yr CD - $100k0.803.250.012.573.700.25177
4 Yr CD - $100k0.883.300.012.783.800.30191
5 Yr CD - $100k0.853.300.012.643.800.65179
High Rate Checking0.010.010.012.815.000.02280
Basic Checking0.060.200.010.365.000.0130
IRA - 1 Year - $10k1.073.200.012.534.000.20146
IRA - 1 Year - $100k0.833.000.012.834.000.20200
IRA - Liquid - $10k0.020.030.010.743.610.0172
IRA - Liquid - $100k   0.451.870.01 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.120.350.020.353.100.0523
Money Market - $10k0.120.350.020.423.100.0530
High Rate Money Market - $10k   0.310.500.05 
High Rate Money Market - $25k   0.811.500.05 
Money Market - $25k0.130.350.020.673.200.0554
Money Market - $50k0.180.350.020.963.200.0579
High Rate Money Market - $50k   1.372.000.25 
High Rate Money Market - $100k   2.182.501.55 
Money Market - $100k0.230.500.031.303.200.05106
Money Market - $250k0.250.550.031.403.200.05114
High Rate Money Market - $250k   2.693.501.65 
Money Market - $500k0.250.350.151.463.500.05121
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million0.250.350.151.493.500.05124
High Rate Savings0.190.500.021.573.010.05139
Regular Savings0.444.400.010.183.010.01-25
New Auto - 24 Mo6.266.975.444.835.753.74-143
New Auto - 36 Mo6.537.735.444.978.493.74-156
New Auto - 48 Mo6.827.755.445.398.494.25-143
New Auto - 60 Mo6.728.005.445.569.494.25-116
New Auto - 72 Mo7.208.506.385.849.494.25-137
New Auto - 84 Mo6.386.386.386.398.155.492
Used Auto - 24 Mo6.527.545.645.276.403.99-125
Used Auto - 36 Mo6.968.755.645.348.493.99-163
Used Auto - 48 Mo6.849.255.645.788.494.49-106
Used Auto - 60 Mo6.989.505.645.939.494.49-105
Used Auto - 72 Mo6.386.386.386.219.494.50-17
Used Auto - 84 Mo6.386.386.386.717.505.9933
Used Boat-60 Mo   7.759.756.24 
New Boat-60 Mo5.975.975.977.899.756.24192
Rewards Credit Card17.4720.2411.8012.7318.006.99-474
Credit Card Platinum17.4120.2414.9911.9017.997.00-550
Credit Card Classic17.8720.2414.9913.0128.247.99-486
Home Equity - LOC 80%8.059.896.756.688.130.25-138
Home Equity - 5 Yr 80%6.407.005.807.1110.505.2571
Home Equity - 10 Yr 80%8.008.008.007.0210.505.25-98
Home Equity - 15 Yr 80%8.758.758.756.9410.875.25-181
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 Mo   7.6010.055.49 
New Motorcycle-60 Mo   7.089.754.99 
Used Motorhome-60 Mo   7.699.756.24 
New Motorhome-60 Mo5.975.975.977.859.756.24188
Unsecured - 36 Mo9.6611.008.508.5713.995.00-109
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* Represents the difference in the average rate between banks and credit unions.