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.

Sort by Product  / State

Guam

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.022.000.031.351.351.3534
6 Mo CD - $10k1.272.500.031.582.700.4531
9 Mo CD - $10k1.022.000.04    
1 Yr CD - $10k1.032.000.053.433.753.10240
18 Mo CD - $10k1.292.500.073.383.663.10210
2 Yr CD - $10k1.543.000.083.253.503.00171
30 Mo CD - $10k0.290.500.08    
3 Yr CD - $10k1.052.000.103.303.603.00225
4 Yr CD - $10k1.132.000.253.554.202.90243
5 Yr CD - $10k1.132.000.253.203.502.90208
3 Mo CD - $100k1.042.000.082.804.201.40176
6 Mo CD - $100k1.543.000.081.602.700.506
9 Mo CD - $100k1.052.000.09    
1 Yr CD - $100k1.052.000.103.453.803.10240
18 Mo CD - $100k1.312.500.123.403.703.10209
2 Yr CD - $100k1.573.000.133.283.553.00171
30 Mo CD - $100k0.571.010.13    
3 Yr CD - $100k1.082.000.153.333.663.00226
4 Yr CD - $100k1.152.000.302.902.902.90175
5 Yr CD - $100k1.152.000.303.233.552.90208
High Rate Checking   0.350.350.35 
Basic Checking   0.030.050.01 
IRA - 1 Year - $10k0.050.050.053.383.753.00333
IRA - 1 Year - $100k0.050.050.053.403.803.00335
IRA - Liquid - $10k   0.130.250.01 
IRA - Liquid - $100k   0.130.250.01 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k   0.450.850.05 
Money Market - $10k   0.500.950.05 
High Rate Money Market - $10k   0.250.250.25 
High Rate Money Market - $25k   0.250.250.25 
Money Market - $25k   0.531.000.05 
Money Market - $50k   0.731.400.05 
High Rate Money Market - $50k   0.250.250.25 
High Rate Money Market - $100k   1.551.551.55 
Money Market - $100k   0.731.400.05 
Money Market - $250k   0.731.400.05 
High Rate Money Market - $250k   1.651.651.65 
Money Market - $500k   0.731.400.05 
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million   0.731.400.05 
High Rate Savings0.500.500.502.702.702.70220
Regular Savings0.020.020.020.130.250.0111
New Auto - 24 Mo6.976.976.974.044.193.89-293
New Auto - 36 Mo6.976.976.974.044.193.89-293
New Auto - 48 Mo6.976.976.974.344.394.29-263
New Auto - 60 Mo   4.374.444.29 
New Auto - 72 Mo   4.694.794.59 
New Auto - 84 Mo   5.875.995.74 
Used Auto - 24 Mo7.547.547.544.794.794.79-275
Used Auto - 36 Mo7.547.547.544.794.794.79-275
Used Auto - 48 Mo   5.295.295.29 
Used Auto - 60 Mo   5.325.345.29 
Used Auto - 72 Mo   5.395.395.39 
Used Auto - 84 Mo   6.246.246.24 
Used Boat-60 Mo   9.009.009.00 
New Boat-60 Mo   8.958.958.95 
Rewards Credit Card16.3319.4912.0016.3717.9914.744
Credit Card Platinum18.0018.0018.0014.1217.9910.24-389
Credit Card Classic16.7517.4916.00    
Home Equity - LOC 80%7.818.367.256.887.006.75-93
Home Equity - 5 Yr 80%   7.347.347.34 
Home Equity - 10 Yr 80%   7.657.657.65 
Home Equity - 15 Yr 80%   7.957.957.95 
7 Yr ARM6.2906.5035.961 
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 Fixed6.2446.6515.752 
30 Yr Fixed6.4427.2316.0006.2176.5005.984-23
Used Motorcycle-60 Mo   10.0510.0510.05 
New Motorcycle-60 Mo   7.957.957.95 
Used Motorhome-60 Mo   7.457.457.45 
New Motorhome-60 Mo   7.457.457.45 
Unsecured - 36 Mo9.4811.007.957.428.746.09-206
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.