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.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.073.970.011.433.840.0336
6 Mo CD - $10k1.464.160.012.634.400.15117
9 Mo CD - $10k1.303.850.012.854.070.25155
1 Yr CD - $10k1.653.960.012.814.100.10116
18 Mo CD - $10k1.384.010.012.634.000.15126
2 Yr CD - $10k1.604.060.012.663.750.20106
30 Mo CD - $10k1.203.620.012.704.000.75150
3 Yr CD - $10k1.594.060.012.713.700.20111
4 Yr CD - $10k1.614.060.012.723.850.50112
5 Yr CD - $10k1.664.110.012.814.000.20115
3 Mo CD - $100k1.103.970.011.443.840.0334
6 Mo CD - $100k1.494.160.012.624.400.15113
9 Mo CD - $100k1.394.250.012.834.070.25144
1 Yr CD - $100k1.693.960.012.804.100.10111
18 Mo CD - $100k1.404.010.012.614.000.15121
2 Yr CD - $100k1.634.060.012.663.750.20103
30 Mo CD - $100k1.193.620.012.674.000.75149
3 Yr CD - $100k1.614.060.012.703.700.20109
4 Yr CD - $100k1.624.060.012.713.850.50109
5 Yr CD - $100k1.674.110.012.814.000.20114
High Rate Checking0.422.020.012.935.000.05251
Basic Checking0.090.500.010.274.000.0119
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.424.780.012.544.250.10113
IRA - 1 Year - $100k2.313.500.012.414.250.1011
IRA - Liquid - $10k0.403.650.010.624.080.0122
IRA - Liquid - $100k1.293.200.010.724.080.01-56
High Rate Money Market - $2.5k0.300.300.301.251.251.2595
Money Market - $2.5k0.403.930.010.743.690.0134
Money Market - $10k0.513.930.010.903.150.0139
High Rate Money Market - $10k1.553.750.010.771.250.30-78
High Rate Money Market - $25k1.793.750.011.913.150.7512
Money Market - $25k0.703.930.011.043.150.0134
Money Market - $50k0.833.930.011.203.150.0137
High Rate Money Market - $50k1.873.750.012.193.201.2531
High Rate Money Market - $100k2.413.750.012.283.251.29-13
Money Market - $100k1.023.930.011.373.400.0136
Money Market - $250k1.133.930.011.473.650.0134
High Rate Money Market - $250k2.453.750.012.743.501.7029
Money Market - $500k0.372.220.011.303.650.0193
High Rate Money Market - $500k3.063.562.554.004.004.0095
High Rate Money Market - $1 million3.063.562.554.004.004.0095
Money Market - $1 million0.442.220.011.333.650.0190
High Rate Savings0.030.050.022.053.100.75202
Regular Savings0.110.750.010.214.890.0110
New Auto - 24 Mo6.3010.173.745.136.803.99-117
New Auto - 36 Mo6.8610.003.995.197.493.75-168
New Auto - 48 Mo6.9310.254.495.257.493.89-168
New Auto - 60 Mo6.9910.754.495.317.493.89-168
New Auto - 72 Mo7.209.354.745.658.953.99-155
New Auto - 84 Mo6.448.594.945.707.254.35-74
Used Auto - 24 Mo6.9410.624.495.337.004.35-161
Used Auto - 36 Mo7.2310.254.495.408.303.75-182
Used Auto - 48 Mo7.2910.254.745.457.743.89-185
Used Auto - 60 Mo7.3310.754.745.517.743.89-182
Used Auto - 72 Mo7.4610.034.945.859.253.99-161
Used Auto - 84 Mo6.628.594.946.017.754.49-62
Used Boat-60 Mo8.759.946.497.059.244.49-171
New Boat-60 Mo8.6212.755.747.5413.684.49-108
Rewards Credit Card17.2923.245.9914.0018.008.90-329
Credit Card Platinum16.0618.494.4912.2418.007.90-382
Credit Card Classic16.6229.247.4913.5419.909.00-308
Home Equity - LOC 80%7.449.005.246.838.255.25-61
Home Equity - 5 Yr 80%7.3410.355.657.039.995.75-31
Home Equity - 10 Yr 80%7.6710.506.007.229.505.75-45
Home Equity - 15 Yr 80%7.7411.006.137.509.755.99-23
7 Yr ARM6.7237.7505.4006.6347.3755.375-9
3 Yr ARM6.6857.6255.5006.3697.2835.125-32
5 Yr ARM6.7067.6255.3006.4807.0605.000-23
15 Yr Fixed6.1008.5403.1256.0077.0004.625-9
20 Yr Fixed6.6176.6956.1826.4386.8785.750-18
30 Yr Fixed6.5018.5003.5006.4597.0015.490-4
15 Yr Fixed-Jumbo6.2386.1246.124 
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.8116.7406.740 
Used Motorcycle-60 Mo9.3910.198.006.699.254.49-270
New Motorcycle-60 Mo8.3910.197.256.469.184.49-194
Used Motorhome-60 Mo8.759.946.497.119.244.49-164
New Motorhome-60 Mo8.5612.755.747.5513.684.49-100
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.9918.996.4910.8617.906.99-114
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* Represents the difference in the average rate between banks and credit unions.