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 - $10k1.793.920.010.643.550.10-115
6 Mo CD - $10k1.433.490.012.663.750.15122
9 Mo CD - $10k1.843.450.013.023.652.75118
1 Yr CD - $10k1.473.650.013.054.000.50158
18 Mo CD - $10k1.383.500.012.833.660.55145
2 Yr CD - $10k1.563.500.012.773.650.65121
30 Mo CD - $10k0.892.660.012.593.680.40170
3 Yr CD - $10k1.183.200.012.463.750.45128
4 Yr CD - $10k1.303.300.012.264.200.5596
5 Yr CD - $10k1.253.440.012.303.750.65105
3 Mo CD - $100k1.493.840.010.663.650.10-83
6 Mo CD - $100k1.433.490.012.663.750.15123
9 Mo CD - $100k1.603.450.013.023.652.75142
1 Yr CD - $100k1.473.650.013.064.000.50159
18 Mo CD - $100k1.645.050.012.853.700.55121
2 Yr CD - $100k1.563.500.012.783.650.65122
30 Mo CD - $100k0.892.660.012.513.680.40163
3 Yr CD - $100k1.183.200.012.473.750.45129
4 Yr CD - $100k1.373.300.012.143.750.5577
5 Yr CD - $100k1.303.440.012.313.750.65100
High Rate Checking0.020.030.011.753.000.25173
Basic Checking0.262.720.010.080.300.01-18
IRA - 1 Year - $10k1.483.650.013.014.000.50153
IRA - 1 Year - $100k2.153.240.013.534.002.85138
IRA - Liquid - $10k0.402.000.010.180.350.05-23
IRA - Liquid - $100k2.002.002.000.170.350.05-183
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.151.000.010.481.500.0532
Money Market - $10k0.271.400.011.492.500.05122
High Rate Money Market - $10k0.612.960.011.082.000.2547
High Rate Money Market - $25k0.762.960.011.212.000.2546
Money Market - $25k0.341.600.011.562.500.10122
Money Market - $50k0.431.800.011.672.500.15124
High Rate Money Market - $50k0.842.960.011.662.470.2582
High Rate Money Market - $100k1.152.960.012.192.761.55104
Money Market - $100k0.522.280.011.752.500.25123
Money Market - $250k0.552.280.011.832.500.25128
High Rate Money Market - $250k1.612.960.012.303.001.6569
Money Market - $500k1.013.000.031.422.450.2541
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million1.163.000.031.663.400.2550
High Rate Savings0.040.050.022.002.002.00196
Regular Savings0.203.150.010.110.300.05-9
New Auto - 24 Mo7.228.995.444.946.003.89-228
New Auto - 36 Mo7.578.995.444.866.003.89-271
New Auto - 48 Mo7.648.995.444.906.004.24-274
New Auto - 60 Mo7.688.995.444.926.004.29-276
New Auto - 72 Mo8.048.996.755.257.254.49-278
New Auto - 84 Mo8.998.998.996.137.754.99-286
Used Auto - 24 Mo7.328.995.645.347.004.74-197
Used Auto - 36 Mo7.778.995.645.207.004.24-258
Used Auto - 48 Mo7.808.995.645.257.004.49-255
Used Auto - 60 Mo7.868.995.645.165.994.49-270
Used Auto - 72 Mo8.508.508.505.415.994.74-309
Used Auto - 84 Mo8.998.998.996.327.155.49-267
Used Boat-60 Mo   8.4711.245.50 
New Boat-60 Mo9.1210.258.258.7710.496.50-35
Rewards Credit Card17.7318.4916.4915.6618.746.99-207
Credit Card Platinum16.7618.2412.4913.3217.246.99-343
Credit Card Classic17.5320.2414.9914.0016.9911.74-353
Home Equity - LOC 80%7.139.556.246.287.005.99-85
Home Equity - 5 Yr 80%7.057.886.507.047.346.50-2
Home Equity - 10 Yr 80%7.258.256.507.237.656.49-2
Home Equity - 15 Yr 80%7.327.666.757.367.956.504
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   7.2110.055.49 
New Motorcycle-60 Mo   6.407.954.49 
Used Motorhome-60 Mo   7.6910.005.34 
New Motorhome-60 Mo9.009.008.998.449.755.99-55
Student Loan-10 Year6.106.106.104.254.254.25-185
Unsecured - 36 Mo12.1315.657.9910.8515.758.24-128
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* Represents the difference in the average rate between banks and credit unions.