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 - $10k1.724.000.013.414.140.05169
6 Mo CD - $10k2.855.270.013.564.150.7571
9 Mo CD - $10k2.375.270.013.565.001.00119
1 Yr CD - $10k2.844.100.013.814.502.3597
18 Mo CD - $10k2.554.000.013.834.501.75129
2 Yr CD - $10k2.543.950.013.824.252.25128
30 Mo CD - $10k1.644.500.013.824.052.25217
3 Yr CD - $10k2.483.900.013.774.102.15129
4 Yr CD - $10k2.444.250.013.834.152.15139
5 Yr CD - $10k2.494.000.013.824.152.15133
3 Mo CD - $100k1.794.000.013.454.140.05166
6 Mo CD - $100k2.905.270.013.564.150.7566
9 Mo CD - $100k2.425.270.013.555.001.00113
1 Yr CD - $100k2.914.100.013.814.502.3590
18 Mo CD - $100k2.554.000.013.824.501.75127
2 Yr CD - $100k2.513.950.013.824.252.25131
30 Mo CD - $100k1.745.000.013.794.052.25205
3 Yr CD - $100k2.453.900.013.784.102.15133
4 Yr CD - $100k2.414.250.013.824.152.15141
5 Yr CD - $100k2.464.000.013.814.152.15135
High Rate Checking2.755.000.011.032.000.10-172
Basic Checking0.120.500.010.234.000.0211
IRA - 1 Year - $10k2.534.100.013.794.502.13127
IRA - 1 Year - $100k2.273.700.013.854.003.40157
IRA - Liquid - $10k0.894.000.011.035.300.0513
IRA - Liquid - $100k1.333.200.011.303.850.10-2
High Rate Money Market - $2.5k0.701.250.15    
Money Market - $2.5k0.843.690.010.943.100.0510
Money Market - $10k0.923.690.011.153.100.0523
High Rate Money Market - $10k0.681.750.100.951.240.5027
High Rate Money Market - $25k0.731.750.151.471.980.5573
Money Market - $25k1.193.690.011.483.200.1029
Money Market - $50k1.293.690.011.733.200.4043
High Rate Money Market - $50k0.781.750.251.642.090.6085
High Rate Money Market - $100k1.051.750.202.562.742.42151
Money Market - $100k1.733.690.012.173.200.3544
Money Market - $250k1.933.690.012.734.250.3580
High Rate Money Market - $250k1.252.550.203.103.482.50185
Money Market - $500k1.523.560.152.483.450.3597
High Rate Money Market - $500k2.332.652.00    
High Rate Money Market - $1 million2.402.802.00    
Money Market - $1 million1.553.560.152.703.900.35115
High Rate Savings1.944.200.022.033.500.1010
Regular Savings1.074.000.010.100.750.03-97
New Auto - 24 Mo6.368.594.744.986.243.69-138
New Auto - 36 Mo6.209.002.655.166.243.69-104
New Auto - 48 Mo6.349.002.655.196.243.69-115
New Auto - 60 Mo6.409.002.655.165.953.69-124
New Auto - 72 Mo6.629.252.655.436.354.19-119
New Auto - 84 Mo6.988.595.495.896.404.69-109
Used Auto - 24 Mo6.418.784.745.086.243.69-134
Used Auto - 36 Mo6.369.253.805.216.243.69-115
Used Auto - 48 Mo6.559.255.245.266.743.69-129
Used Auto - 60 Mo6.519.253.805.215.953.69-131
Used Auto - 72 Mo6.539.503.805.476.354.19-106
Used Auto - 84 Mo7.028.785.495.976.544.69-105
Used Boat-60 Mo9.2111.017.507.7212.243.69-150
New Boat-60 Mo8.4311.526.257.6912.243.69-74
Rewards Credit Card19.3224.9915.4913.0718.008.50-625
Credit Card Platinum17.7822.9913.4911.9717.248.50-581
Credit Card Classic16.5229.4510.9512.4217.909.99-410
Home Equity - LOC 80%7.318.994.996.938.753.99-38
Home Equity - 5 Yr 80%8.1810.616.756.728.504.99-146
Home Equity - 10 Yr 80%8.0410.616.756.898.505.49-115
Home Equity - 15 Yr 80%8.3510.616.757.378.755.99-97
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 Mo8.6610.195.997.5512.243.69-111
New Motorcycle-60 Mo8.6610.195.997.4212.243.69-124
Used Motorhome-60 Mo9.2111.017.507.489.243.69-173
New Motorhome-60 Mo8.4511.526.257.529.243.69-93
Unsecured - 36 Mo10.9912.996.7411.6313.758.2464
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* Represents the difference in the average rate between banks and credit unions.