RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,863 financial institution locations in 19,713 markets across the United States as of 4/10/2026.

Sort by Product  / State

Minnesota

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 - $10k1.595.090.012.263.750.2067
6 Mo CD - $10k2.254.600.012.674.310.2541
9 Mo CD - $10k2.344.000.013.205.000.9086
1 Yr CD - $10k2.385.000.012.824.060.3044
18 Mo CD - $10k2.264.750.013.024.751.1075
2 Yr CD - $10k2.293.850.012.774.000.4048
30 Mo CD - $10k2.253.950.012.814.701.3956
3 Yr CD - $10k2.263.810.012.733.740.5048
4 Yr CD - $10k2.224.000.012.783.800.6056
5 Yr CD - $10k2.323.800.012.863.840.7054
3 Mo CD - $100k1.625.090.012.213.750.2059
6 Mo CD - $100k2.274.600.012.674.310.2540
9 Mo CD - $100k2.374.000.013.265.000.9089
1 Yr CD - $100k2.445.000.012.874.060.3043
18 Mo CD - $100k2.355.050.012.984.751.3063
2 Yr CD - $100k2.383.940.012.814.000.4043
30 Mo CD - $100k2.273.950.012.864.701.3959
3 Yr CD - $100k2.333.810.012.783.900.5045
4 Yr CD - $100k2.304.000.012.804.000.6050
5 Yr CD - $100k2.393.800.012.924.000.7052
High Rate Checking1.726.000.013.476.750.05176
Basic Checking0.182.000.010.243.750.016
HSA - $1k0.010.010.010.350.500.2034
HSA - $10k1.251.251.250.500.500.50-75
HSA - $25k   0.761.010.50 
IRA - 1 Year - $10k2.364.750.012.854.501.0048
IRA - 1 Year - $100k2.504.450.012.734.501.0024
IRA - Liquid - $10k1.024.450.010.703.600.01-32
IRA - Liquid - $100k1.464.450.010.723.600.05-74
High Rate Money Market - $2.5k0.530.750.301.452.150.7593
Money Market - $2.5k0.512.990.010.682.670.0517
Money Market - $10k0.612.960.010.792.720.0518
High Rate Money Market - $10k1.103.750.151.983.350.7588
High Rate Money Market - $25k1.263.750.452.023.350.7575
Money Market - $25k0.752.970.010.942.760.1019
Money Market - $50k0.883.060.011.082.810.1021
High Rate Money Market - $50k1.373.750.251.932.960.7556
High Rate Money Market - $100k1.623.750.272.062.961.0045
Money Market - $100k1.153.260.011.333.260.1018
Money Market - $250k1.323.540.011.453.260.1013
High Rate Money Market - $250k2.023.750.302.533.002.0051
Money Market - $500k1.133.200.011.493.500.1035
High Rate Money Market - $500k2.293.560.752.543.002.0026
High Rate Money Market - $1 million2.293.560.753.013.043.0073
Money Market - $1 million1.213.500.011.523.500.1031
High Rate Savings1.533.300.021.975.120.0144
Regular Savings0.294.350.010.203.250.01-9
New Auto - 24 Mo6.398.594.494.746.243.74-165
New Auto - 36 Mo7.1710.503.004.776.753.74-239
New Auto - 48 Mo7.2310.504.005.066.753.74-217
New Auto - 60 Mo7.3510.504.505.186.753.74-217
New Auto - 72 Mo7.3910.504.995.396.993.74-201
New Auto - 84 Mo7.158.595.395.799.803.74-136
Used Auto - 24 Mo6.9010.034.494.916.643.74-199
Used Auto - 36 Mo7.4010.504.005.0211.003.74-238
Used Auto - 48 Mo7.4811.004.945.2911.003.74-218
Used Auto - 60 Mo7.5511.004.995.3811.003.74-216
Used Auto - 72 Mo7.4510.504.445.5911.003.74-186
Used Auto - 84 Mo7.318.595.396.049.804.31-127
Used Boat-60 Mo7.939.845.756.357.744.94-159
New Boat-60 Mo7.8910.505.256.179.304.57-172
Rewards Credit Card16.8623.2411.2514.2417.997.90-262
Credit Card Platinum16.5719.2410.9912.3917.746.90-418
Credit Card Classic15.8528.2411.6513.7628.244.00-209
Home Equity - LOC 80%7.749.656.006.6911.743.50-105
Home Equity - 5 Yr 80%7.179.755.006.167.524.99-101
Home Equity - 10 Yr 80%7.9312.495.256.488.124.99-145
Home Equity - 15 Yr 80%8.1312.995.506.789.414.99-134
7 Yr ARM6.2616.4465.9136.0286.2915.500-23
3 Yr ARM6.2246.6015.847 
5 Yr ARM6.3456.3456.3455.9016.3395.248-44
15 Yr Fixed5.8166.1325.4485.5245.7935.317-29
20 Yr Fixed6.0606.5595.6425.8736.0465.750-19
30 Yr Fixed6.3797.0945.9716.0276.2555.773-35
15 Yr Fixed-Jumbo6.1326.1326.132 
20 Yr Fixed-Jumbo6.5596.5596.559 
7 Yr ARM-Jumbo6.3356.3356.335 
5 Yr ARM-Jumbo6.3476.3476.347 
30 Yr Fixed-Jumbo6.7126.7126.712 
Used Motorcycle-60 Mo6.717.665.756.047.744.44-67
New Motorcycle-60 Mo7.087.845.755.837.324.44-126
Used Motorhome-60 Mo7.929.845.756.429.244.94-150
New Motorhome-60 Mo7.9510.995.096.229.304.75-174
Unsecured - 36 Mo11.2518.006.7410.8213.656.99-43
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.