RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,780 financial institution locations in 19,713 markets across the United States as of 4/9/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.575.090.012.263.750.2069
6 Mo CD - $10k2.254.600.012.674.310.2542
9 Mo CD - $10k2.324.000.013.205.000.9087
1 Yr CD - $10k2.375.000.012.844.060.3047
18 Mo CD - $10k2.244.750.013.024.751.1078
2 Yr CD - $10k2.273.850.012.784.000.4051
30 Mo CD - $10k2.243.950.012.814.701.3957
3 Yr CD - $10k2.253.810.012.733.740.5049
4 Yr CD - $10k2.224.000.012.783.800.6056
5 Yr CD - $10k2.313.750.012.863.840.7055
3 Mo CD - $100k1.605.090.012.213.750.2060
6 Mo CD - $100k2.274.600.012.694.310.2542
9 Mo CD - $100k2.364.000.013.265.000.9090
1 Yr CD - $100k2.425.000.012.904.060.3049
18 Mo CD - $100k2.335.050.012.984.751.3065
2 Yr CD - $100k2.373.940.012.834.000.4047
30 Mo CD - $100k2.273.950.012.864.701.3959
3 Yr CD - $100k2.313.810.012.783.900.5046
4 Yr CD - $100k2.304.000.012.824.000.6052
5 Yr CD - $100k2.393.800.012.924.000.7053
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 - $10k2.364.750.012.874.501.0051
IRA - 1 Year - $100k2.504.450.012.734.501.0024
IRA - Liquid - $10k1.024.450.010.713.600.01-31
IRA - Liquid - $100k1.464.450.010.723.600.05-74
High Rate Money Market - $2.5k0.530.750.301.452.150.7593
Money Market - $2.5k0.502.990.010.672.670.0518
Money Market - $10k0.612.960.010.792.720.0519
High Rate Money Market - $10k1.103.750.151.983.350.7588
High Rate Money Market - $25k1.263.750.452.023.350.7575
Money Market - $25k0.742.970.010.942.760.1019
Money Market - $50k0.873.060.011.082.810.1021
High Rate Money Market - $50k1.373.750.251.932.960.7556
High Rate Money Market - $100k1.623.750.272.062.961.0045
Money Market - $100k1.143.260.011.333.260.1018
Money Market - $250k1.313.540.011.453.260.1013
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 Mo7.1910.504.494.786.753.74-242
New Auto - 48 Mo7.2510.504.505.056.753.74-220
New Auto - 60 Mo7.3610.504.505.176.753.74-220
New Auto - 72 Mo7.3910.504.995.386.993.74-201
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 Mo7.4210.504.495.0211.003.74-240
Used Auto - 48 Mo7.5011.004.945.2911.003.74-220
Used Auto - 60 Mo7.5611.004.995.3711.003.74-218
Used Auto - 72 Mo7.4510.504.445.5811.003.74-187
Used Auto - 84 Mo7.318.595.396.049.804.31-127
Used Boat-60 Mo7.939.845.756.388.504.94-155
New Boat-60 Mo7.8910.505.256.169.304.57-173
Rewards Credit Card16.8623.2411.2514.2417.997.24-263
Credit Card Platinum16.5719.2410.9912.3917.746.90-418
Credit Card Classic15.8528.2411.6513.7928.244.00-205
Home Equity - LOC 80%7.769.656.246.6911.743.50-107
Home Equity - 5 Yr 80%7.199.755.256.157.524.99-103
Home Equity - 10 Yr 80%7.9812.495.256.488.124.99-149
Home Equity - 15 Yr 80%8.1912.995.506.799.414.99-140
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 Mo6.717.665.756.067.744.44-64
New Motorcycle-60 Mo7.087.845.755.907.324.44-118
Used Motorhome-60 Mo7.929.845.756.429.244.94-150
New Motorhome-60 Mo7.9510.995.096.229.304.75-173
Unsecured - 36 Mo11.2818.006.7410.8213.656.99-46
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* Represents the difference in the average rate between banks and credit unions.