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 - $10k1.033.600.012.643.900.15160
6 Mo CD - $10k1.733.750.023.023.950.45129
9 Mo CD - $10k1.143.500.013.393.952.45225
1 Yr CD - $10k1.773.500.023.164.250.40138
18 Mo CD - $10k1.723.750.023.243.950.45151
2 Yr CD - $10k1.623.750.023.044.100.50142
30 Mo CD - $10k1.503.750.033.044.050.50154
3 Yr CD - $10k1.613.500.023.004.050.60139
4 Yr CD - $10k1.603.750.022.924.200.70132
5 Yr CD - $10k1.543.500.022.974.100.80143
3 Mo CD - $100k1.093.600.012.653.900.15156
6 Mo CD - $100k1.763.750.033.054.000.50130
9 Mo CD - $100k1.384.100.013.473.952.70209
1 Yr CD - $100k1.803.500.033.254.250.45144
18 Mo CD - $100k1.703.750.033.263.950.45156
2 Yr CD - $100k1.683.750.033.074.100.55139
30 Mo CD - $100k1.543.750.033.104.050.55156
3 Yr CD - $100k1.633.500.032.994.050.70137
4 Yr CD - $100k1.623.750.032.904.050.80128
5 Yr CD - $100k1.563.500.032.994.100.90144
High Rate Checking0.010.010.010.250.250.2524
Basic Checking0.181.000.010.110.500.01-6
IRA - 1 Year - $10k1.683.500.013.154.250.40147
IRA - 1 Year - $100k1.512.720.103.764.053.45225
IRA - Liquid - $10k0.362.500.010.685.300.0133
IRA - Liquid - $100k0.631.850.010.692.400.016
High Rate Money Market - $2.5k1.001.250.750.250.250.25-75
Money Market - $2.5k0.513.000.011.214.930.1070
Money Market - $10k0.563.000.011.082.020.1551
High Rate Money Market - $10k0.983.010.100.250.250.25-73
High Rate Money Market - $25k1.463.440.100.250.250.25-121
Money Market - $25k0.643.000.011.001.980.2537
Money Market - $50k0.683.000.011.102.050.3043
High Rate Money Market - $50k1.463.440.100.250.250.25-121
High Rate Money Market - $100k1.723.440.452.252.951.5553
Money Market - $100k0.823.200.011.172.700.4036
Money Market - $250k0.913.200.011.233.450.4032
High Rate Money Market - $250k2.093.440.952.302.951.6521
Money Market - $500k1.153.250.151.923.450.5577
High Rate Money Market - $500k2.002.002.001.851.851.85-15
High Rate Money Market - $1 million2.002.002.002.052.052.055
Money Market - $1 million1.213.250.152.053.900.5584
High Rate Savings1.193.500.02    
Regular Savings0.331.750.010.140.400.01-19
New Auto - 24 Mo6.928.595.445.187.753.89-174
New Auto - 36 Mo6.9110.154.744.967.753.89-195
New Auto - 48 Mo7.0210.154.905.056.993.90-197
New Auto - 60 Mo7.0910.155.305.196.993.90-190
New Auto - 72 Mo7.2110.005.505.346.993.99-187
New Auto - 84 Mo7.778.597.245.816.645.00-197
Used Auto - 24 Mo6.968.595.645.407.754.74-155
Used Auto - 36 Mo7.4510.754.745.238.993.99-222
Used Auto - 48 Mo7.4810.754.905.348.993.99-214
Used Auto - 60 Mo7.4210.755.305.488.993.99-194
Used Auto - 72 Mo7.199.605.505.578.493.99-162
Used Auto - 84 Mo7.778.597.245.946.745.00-184
Used Boat-60 Mo9.629.949.298.179.596.75-144
New Boat-60 Mo7.7611.505.907.7910.034.593
Rewards Credit Card17.2129.9011.8012.9317.996.99-428
Credit Card Platinum15.7718.7410.4912.1317.996.99-365
Credit Card Classic15.1419.4911.1512.1718.008.49-297
Home Equity - LOC 80%7.479.774.997.047.504.99-44
Home Equity - 5 Yr 80%8.318.997.137.157.746.69-116
Home Equity - 10 Yr 80%7.969.027.137.057.996.50-92
Home Equity - 15 Yr 80%8.049.057.357.289.005.50-75
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 Mo10.1910.1910.198.1310.056.75-206
New Motorcycle-60 Mo10.1910.1910.197.739.245.99-246
Used Motorhome-60 Mo9.519.949.298.379.996.75-114
New Motorhome-60 Mo8.0511.505.907.9010.035.75-15
Unsecured - 36 Mo10.8014.756.7410.6416.248.74-16
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* Represents the difference in the average rate between banks and credit unions.