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 - $10k1.473.930.011.973.600.0250
6 Mo CD - $10k2.144.000.012.823.820.1568
9 Mo CD - $10k1.644.050.013.164.200.30152
1 Yr CD - $10k1.964.000.013.084.000.30112
18 Mo CD - $10k1.744.000.012.834.750.35108
2 Yr CD - $10k1.664.000.012.724.000.10106
30 Mo CD - $10k1.184.000.012.634.000.50145
3 Yr CD - $10k1.523.900.012.623.900.50110
4 Yr CD - $10k1.483.850.012.584.200.50110
5 Yr CD - $10k1.483.900.012.753.900.55127
3 Mo CD - $100k1.513.800.011.863.600.0235
6 Mo CD - $100k2.254.000.012.863.820.1561
9 Mo CD - $100k1.644.050.013.214.200.30157
1 Yr CD - $100k2.094.000.013.114.070.30102
18 Mo CD - $100k1.845.050.012.874.750.35103
2 Yr CD - $100k1.724.000.012.754.000.10104
30 Mo CD - $100k1.224.000.012.704.000.50148
3 Yr CD - $100k1.603.900.012.674.000.50107
4 Yr CD - $100k1.483.850.012.593.650.55111
5 Yr CD - $100k1.513.900.012.794.000.55128
High Rate Checking0.070.250.013.436.000.10336
Basic Checking0.113.000.000.373.500.0126
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.914.250.013.224.250.70130
IRA - 1 Year - $100k1.883.750.013.084.250.70120
IRA - Liquid - $10k0.613.750.010.674.080.016
IRA - Liquid - $100k0.642.750.010.694.080.055
High Rate Money Market - $2.5k0.441.250.050.400.750.20-4
Money Market - $2.5k0.533.060.010.662.010.0113
Money Market - $10k0.623.490.010.722.500.0310
High Rate Money Market - $10k0.501.750.041.203.450.0170
High Rate Money Market - $25k0.551.750.061.183.450.0163
Money Market - $25k0.683.490.010.792.500.0511
Money Market - $50k0.763.490.010.904.000.0615
High Rate Money Market - $50k0.611.750.101.293.450.0168
High Rate Money Market - $100k0.822.570.101.753.450.3593
Money Market - $100k0.993.590.011.074.000.078
Money Market - $250k1.073.590.011.144.000.077
High Rate Money Market - $250k1.002.720.101.953.450.4095
Money Market - $500k1.032.850.051.062.790.073
High Rate Money Market - $500k1.992.650.751.692.730.40-30
High Rate Money Market - $1 million2.092.801.002.053.250.40-3
Money Market - $1 million1.043.000.051.133.250.079
Youth/Student Savings   1.315.000.05 
High Rate Savings1.415.000.022.716.000.05130
Regular Savings0.143.410.010.214.080.017
New Auto - 24 Mo7.028.595.345.3913.253.89-163
New Auto - 36 Mo6.599.564.395.236.503.89-136
New Auto - 48 Mo6.659.564.495.276.503.99-138
New Auto - 60 Mo6.779.564.495.316.553.99-145
New Auto - 72 Mo6.939.564.495.437.743.99-150
New Auto - 84 Mo7.398.596.215.667.744.24-173
Used Auto - 24 Mo7.208.785.545.4310.593.99-177
Used Auto - 36 Mo6.649.564.395.347.253.99-130
Used Auto - 48 Mo6.759.564.495.407.253.99-135
Used Auto - 60 Mo6.829.564.495.477.743.99-136
Used Auto - 72 Mo6.899.564.495.547.253.99-135
Used Auto - 84 Mo7.598.786.385.9312.194.24-166
Used Boat-60 Mo9.2111.017.477.7012.004.49-151
New Boat-60 Mo8.3511.525.757.4416.754.49-91
Rewards Credit Card17.0823.2411.8013.5618.008.25-352
Credit Card Platinum16.0721.243.1011.7617.503.10-431
Credit Card Classic14.7428.2410.4512.5628.247.25-219
Home Equity - LOC 80%7.779.746.757.128.755.50-64
Home Equity - 5 Yr 80%7.849.064.007.159.505.00-69
Home Equity - 10 Yr 80%7.959.664.757.329.505.24-62
Home Equity - 15 Yr 80%8.0910.085.507.5010.005.24-59
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 Mo8.6510.756.757.5612.004.49-110
New Motorcycle-60 Mo8.6510.756.757.6116.754.49-104
Used Motorhome-60 Mo9.1211.017.417.7512.004.49-138
New Motorhome-60 Mo8.4811.525.757.5216.754.49-96
Unsecured - 36 Mo10.9114.906.7410.6714.906.74-23
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* Represents the difference in the average rate between banks and credit unions.