RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,697 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 - $10k1.453.800.012.295.330.1084
6 Mo CD - $10k2.254.250.012.914.500.1066
9 Mo CD - $10k2.183.900.013.525.331.30134
1 Yr CD - $10k2.294.500.013.084.050.1979
18 Mo CD - $10k2.223.800.013.045.330.2582
2 Yr CD - $10k2.153.750.012.873.850.5572
30 Mo CD - $10k1.533.750.012.963.751.00142
3 Yr CD - $10k2.083.650.012.783.750.9070
4 Yr CD - $10k2.043.600.012.804.200.8576
5 Yr CD - $10k2.083.750.012.903.800.9082
3 Mo CD - $100k1.574.000.012.395.330.1082
6 Mo CD - $100k2.314.250.012.884.500.1457
9 Mo CD - $100k2.243.930.013.535.331.30128
1 Yr CD - $100k2.364.500.013.084.050.2372
18 Mo CD - $100k2.293.800.013.045.330.2975
2 Yr CD - $100k2.193.750.012.883.850.6069
30 Mo CD - $100k1.533.750.012.943.801.00141
3 Yr CD - $100k2.103.650.012.803.800.9070
4 Yr CD - $100k2.073.690.012.803.800.9573
5 Yr CD - $100k2.113.750.012.943.801.0083
High Rate Checking0.542.020.013.256.250.35271
Basic Checking0.212.150.010.323.250.0111
IRA - 1 Year - $10k2.133.800.012.884.750.0575
IRA - 1 Year - $100k1.292.600.013.254.800.15196
IRA - Liquid - $10k0.994.420.010.864.590.01-13
IRA - Liquid - $100k0.320.700.010.774.590.0145
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.533.800.010.723.150.0118
Money Market - $10k0.613.800.010.813.150.0520
High Rate Money Market - $10k1.332.550.010.280.300.25-106
High Rate Money Market - $25k1.502.550.012.283.450.2578
Money Market - $25k0.733.800.010.903.150.0518
Money Market - $50k0.903.800.011.023.150.0512
High Rate Money Market - $50k1.733.140.012.303.450.2557
High Rate Money Market - $100k1.913.140.502.473.451.5557
Money Market - $100k1.173.800.011.253.150.058
Money Market - $250k1.284.000.011.383.150.0510
High Rate Money Market - $250k1.993.250.502.523.451.6553
Money Market - $500k0.863.200.011.403.100.0554
High Rate Money Market - $500k   1.751.851.65 
High Rate Money Market - $1 million   1.852.051.65 
Money Market - $1 million0.883.200.011.563.820.0569
High Rate Savings1.453.820.022.413.750.1096
Regular Savings0.293.750.010.264.890.01-2
New Auto - 24 Mo5.625.994.944.816.853.49-80
New Auto - 36 Mo7.2510.005.004.937.503.49-232
New Auto - 48 Mo7.2910.005.004.987.503.49-230
New Auto - 60 Mo7.3510.255.005.047.503.49-231
New Auto - 72 Mo7.1410.505.295.217.503.49-193
New Auto - 84 Mo6.106.894.945.596.993.49-51
Used Auto - 24 Mo5.726.194.945.066.853.49-66
Used Auto - 36 Mo7.6310.505.005.157.503.49-248
Used Auto - 48 Mo7.7711.005.005.217.503.49-255
Used Auto - 60 Mo7.7611.255.495.287.503.49-248
Used Auto - 72 Mo7.5010.505.495.457.503.49-205
Used Auto - 84 Mo6.117.394.945.847.753.49-27
Used Boat-60 Mo8.249.996.497.6811.244.49-56
New Boat-60 Mo8.4010.706.007.1410.993.99-126
Rewards Credit Card16.9023.248.7512.6017.996.00-431
Credit Card Platinum15.7820.248.7511.5417.997.90-423
Credit Card Classic15.5529.249.7411.9216.405.99-363
Home Equity - LOC 80%7.6511.755.496.797.754.00-86
Home Equity - 5 Yr 80%6.999.035.386.779.905.50-22
Home Equity - 10 Yr 80%7.249.036.007.2912.906.245
Home Equity - 15 Yr 80%7.258.796.007.4913.006.6524
7 Yr ARM6.7537.9505.6256.0766.4595.500-68
3 Yr ARM5.8776.7504.4905.7918.0004.990-9
5 Yr ARM6.8957.9505.5005.8646.3304.750-103
15 Yr Fixed6.3197.7504.8755.8997.0005.143-42
20 Yr Fixed6.2516.6555.6116.1166.5795.500-14
30 Yr Fixed6.6327.6255.5006.3667.3445.000-27
15 Yr Fixed-Jumbo6.2386.1246.124 
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.8116.7406.740 
Used Motorcycle-60 Mo6.196.196.197.1710.354.4998
New Motorcycle-60 Mo5.695.695.696.8210.354.49113
Used Motorhome-60 Mo8.249.996.497.5910.744.49-65
New Motorhome-60 Mo8.4611.506.007.1310.243.99-132
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.8317.006.7410.4514.756.09-39
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* Represents the difference in the average rate between banks and credit unions.