RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,697 financial institution locations in 19,713 markets across the United States as of 4/8/2026.

Sort by Product  / State

California

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 - $10k1.074.000.012.195.330.09112
6 Mo CD - $10k1.564.000.012.594.250.05103
9 Mo CD - $10k1.334.000.013.065.330.75173
1 Yr CD - $10k1.493.940.012.794.200.07131
18 Mo CD - $10k1.323.700.012.795.330.13146
2 Yr CD - $10k1.314.050.012.724.040.10141
30 Mo CD - $10k1.153.650.012.754.500.18161
3 Yr CD - $10k1.283.750.012.794.040.30152
4 Yr CD - $10k1.233.650.012.834.200.40160
5 Yr CD - $10k1.323.750.012.974.410.50165
3 Mo CD - $100k1.154.000.012.245.330.09110
6 Mo CD - $100k1.674.000.012.664.250.0599
9 Mo CD - $100k1.474.000.013.115.330.85164
1 Yr CD - $100k1.613.940.012.874.200.07127
18 Mo CD - $100k1.413.900.012.885.330.13147
2 Yr CD - $100k1.394.050.012.794.040.10140
30 Mo CD - $100k1.283.750.012.834.000.18155
3 Yr CD - $100k1.383.700.012.844.040.30146
4 Yr CD - $100k1.293.700.012.884.220.40159
5 Yr CD - $100k1.333.750.013.034.460.50170
High Rate Checking0.883.250.012.307.000.03142
Basic Checking0.092.400.000.194.070.0110
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.333.800.012.874.250.05154
IRA - 1 Year - $100k1.693.650.012.984.920.05129
IRA - Liquid - $10k0.110.850.010.544.080.0143
IRA - Liquid - $100k0.321.850.010.604.080.0127
High Rate Money Market - $2.5k0.310.750.050.521.250.0520
Money Market - $2.5k0.413.060.010.614.930.0120
Money Market - $10k0.493.800.010.683.510.0119
High Rate Money Market - $10k0.472.000.031.003.450.2553
High Rate Money Market - $25k0.803.440.031.193.690.2540
Money Market - $25k0.563.800.010.793.510.0124
Money Market - $50k0.653.800.010.923.510.0127
High Rate Money Market - $50k0.883.440.051.553.930.2567
High Rate Money Market - $100k0.863.440.051.873.930.50101
Money Market - $100k0.793.920.011.103.510.0131
Money Market - $250k0.833.920.011.223.510.0138
High Rate Money Market - $250k0.953.440.052.223.980.50127
Money Market - $500k1.103.800.101.213.510.0111
High Rate Money Market - $500k1.992.650.752.934.001.8594
High Rate Money Market - $1 million2.092.801.003.034.002.0594
Money Market - $1 million1.113.800.101.263.820.0114
High Rate Savings1.363.900.022.906.180.05154
Regular Savings0.384.400.010.246.000.01-14
New Auto - 24 Mo7.168.595.344.9813.252.99-218
New Auto - 36 Mo7.5410.204.744.997.992.99-255
New Auto - 48 Mo7.6310.204.995.157.992.99-249
New Auto - 60 Mo7.6310.205.345.247.993.49-239
New Auto - 72 Mo7.7910.205.745.507.993.99-229
New Auto - 84 Mo7.578.596.385.807.994.49-177
Used Auto - 24 Mo7.258.785.545.2110.592.99-205
Used Auto - 36 Mo7.8811.955.245.247.992.99-264
Used Auto - 48 Mo7.9411.955.495.407.992.99-254
Used Auto - 60 Mo7.909.565.545.497.993.49-241
Used Auto - 72 Mo8.129.565.995.727.993.34-240
Used Auto - 84 Mo7.618.786.386.0912.194.49-152
Used Boat-60 Mo9.5211.017.507.9713.204.49-154
New Boat-60 Mo9.3911.525.978.0213.244.49-137
Rewards Credit Card17.2823.2411.8013.5822.157.24-369
Credit Card Platinum16.5219.499.7412.0417.993.10-448
Credit Card Classic17.9728.2413.4913.4928.246.95-447
Home Equity - LOC 80%7.769.744.997.069.503.99-70
Home Equity - 5 Yr 80%8.8110.618.007.219.064.99-160
Home Equity - 10 Yr 80%8.8510.617.407.4712.635.75-138
Home Equity - 15 Yr 80%9.0310.617.407.6012.633.33-144
7 Yr ARM6.4657.0895.6256.1717.5512.520-29
3 Yr ARM6.0997.6255.5006.0988.0004.2500
5 Yr ARM5.9816.3135.5005.9757.3294.074-1
15 Yr Fixed6.0938.5405.0006.0057.3754.524-9
20 Yr Fixed6.3166.6515.7526.3937.7554.8008
30 Yr Fixed6.5577.0005.7506.4648.1255.080-9
15 Yr Fixed-Jumbo6.2386.1246.1246.3296.2156.2159
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.2867.5777.5037.503122
5 Yr ARM-Jumbo6.3736.3046.3046.7186.6476.64734
30 Yr Fixed-Jumbo6.8116.7406.7406.7336.6626.662-8
Used Motorcycle-60 Mo8.0910.195.997.7011.854.25-39
New Motorcycle-60 Mo8.0910.195.997.3711.254.25-72
Used Motorhome-60 Mo9.6011.017.507.8113.204.49-179
New Motorhome-60 Mo9.2111.525.977.8413.244.49-137
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.2915.716.7410.7418.006.34-55
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.