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 - $10k1.604.150.012.085.000.0548
6 Mo CD - $10k2.284.200.052.975.000.1569
9 Mo CD - $10k2.234.950.042.724.000.2549
1 Yr CD - $10k2.374.050.042.824.050.5045
18 Mo CD - $10k2.173.750.052.803.690.5062
2 Yr CD - $10k2.343.700.052.673.901.0033
30 Mo CD - $10k2.123.500.082.683.551.1955
3 Yr CD - $10k2.253.800.082.753.950.9550
4 Yr CD - $10k2.343.900.102.784.200.7044
5 Yr CD - $10k2.313.960.102.853.751.0554
3 Mo CD - $100k1.644.150.012.235.000.1559
6 Mo CD - $100k2.304.200.052.995.000.2069
9 Mo CD - $100k2.224.950.042.744.000.2552
1 Yr CD - $100k2.404.050.042.844.150.5044
18 Mo CD - $100k2.235.050.052.773.700.5054
2 Yr CD - $100k2.363.700.052.694.001.0033
30 Mo CD - $100k2.163.500.082.633.551.2447
3 Yr CD - $100k2.303.800.082.773.951.0047
4 Yr CD - $100k2.353.900.102.723.750.7537
5 Yr CD - $100k2.363.960.102.853.751.0549
High Rate Checking1.193.450.032.624.000.10142
Basic Checking0.261.390.010.313.000.015
IRA - 1 Year - $10k2.153.840.012.853.751.0070
IRA - 1 Year - $100k1.734.000.043.293.802.37156
IRA - Liquid - $10k1.414.500.010.634.080.01-79
IRA - Liquid - $100k0.812.000.011.034.080.0122
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.653.250.010.401.500.05-25
Money Market - $10k0.763.250.010.573.000.05-19
High Rate Money Market - $10k0.792.960.081.151.930.2535
High Rate Money Market - $25k0.922.960.101.492.130.2557
Money Market - $25k0.873.250.010.693.000.05-17
Money Market - $50k1.033.350.010.823.100.05-21
High Rate Money Market - $50k0.982.960.101.492.130.2551
High Rate Money Market - $100k1.252.960.101.992.331.5574
Money Market - $100k1.383.450.010.913.200.05-46
Money Market - $250k1.553.500.011.023.300.05-53
High Rate Money Market - $250k1.512.960.102.142.331.6563
Money Market - $500k1.093.090.011.203.400.0511
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million1.093.090.011.323.500.0523
High Rate Savings1.763.500.022.352.702.0059
Regular Savings0.433.260.010.314.080.01-12
New Auto - 24 Mo7.038.595.834.877.193.89-216
New Auto - 36 Mo7.3711.254.494.897.193.89-248
New Auto - 48 Mo7.3911.254.494.987.253.99-240
New Auto - 60 Mo7.5311.254.495.077.503.99-246
New Auto - 72 Mo7.5910.304.495.387.753.99-221
New Auto - 84 Mo7.638.596.665.838.944.24-180
Used Auto - 24 Mo7.038.595.835.387.194.49-165
Used Auto - 36 Mo7.6411.504.495.308.003.99-234
Used Auto - 48 Mo7.6511.504.495.418.003.99-224
Used Auto - 60 Mo7.7811.754.495.508.003.99-228
Used Auto - 72 Mo7.799.755.755.798.003.99-200
Used Auto - 84 Mo7.638.596.665.917.244.49-171
Used Boat-60 Mo8.719.298.137.9011.244.49-81
New Boat-60 Mo7.9311.005.757.2811.244.49-66
Rewards Credit Card18.0229.9014.2413.6718.008.90-436
Credit Card Platinum16.8518.2413.4914.0717.998.99-278
Credit Card Classic15.4219.5010.2414.1220.509.99-130
Home Equity - LOC 80%7.799.756.256.357.754.49-144
Home Equity - 5 Yr 80%7.3211.754.505.947.783.99-138
Home Equity - 10 Yr 80%7.779.586.256.978.505.25-80
Home Equity - 15 Yr 80%7.829.006.257.479.005.75-36
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
Used Motorcycle-60 Mo7.667.667.666.8110.054.49-85
New Motorcycle-60 Mo7.667.667.666.388.744.49-128
Used Motorhome-60 Mo8.699.298.087.5810.504.49-110
New Motorhome-60 Mo7.9711.005.757.0510.504.49-92
Unsecured - 36 Mo11.5018.006.7410.6115.996.09-88
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* Represents the difference in the average rate between banks and credit unions.