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 - $10k0.903.400.011.584.100.0568
6 Mo CD - $10k1.483.750.012.413.800.0593
9 Mo CD - $10k1.443.780.013.203.761.49177
1 Yr CD - $10k1.643.850.012.834.000.10119
18 Mo CD - $10k1.553.350.012.593.950.12104
2 Yr CD - $10k1.553.400.012.693.750.18113
30 Mo CD - $10k1.473.350.012.713.750.50124
3 Yr CD - $10k1.413.300.012.683.750.18126
4 Yr CD - $10k1.443.150.012.964.200.18152
5 Yr CD - $10k1.483.400.013.073.960.90158
3 Mo CD - $100k0.913.400.011.624.100.0571
6 Mo CD - $100k1.543.750.012.424.250.0588
9 Mo CD - $100k1.483.780.013.283.871.49180
1 Yr CD - $100k1.683.850.012.844.000.10116
18 Mo CD - $100k1.563.500.012.633.950.12107
2 Yr CD - $100k1.523.400.012.744.000.18122
30 Mo CD - $100k1.453.350.012.753.800.50131
3 Yr CD - $100k1.423.300.012.713.800.18129
4 Yr CD - $100k1.453.150.013.013.850.18155
5 Yr CD - $100k1.513.400.013.154.070.90164
High Rate Checking0.100.250.013.366.000.10326
Basic Checking0.090.500.010.204.500.0110
IRA - 1 Year - $10k1.393.750.013.074.750.10168
IRA - 1 Year - $100k2.423.241.503.404.801.8597
IRA - Liquid - $10k0.191.400.010.893.750.0570
IRA - Liquid - $100k0.902.000.010.682.530.10-22
High Rate Money Market - $2.5k   0.500.750.25 
Money Market - $2.5k0.321.540.010.834.000.0551
Money Market - $10k0.412.000.010.922.300.0550
High Rate Money Market - $10k1.483.200.151.252.020.25-23
High Rate Money Market - $25k1.703.200.201.332.320.25-37
Money Market - $25k0.512.500.011.163.000.0565
Money Market - $50k0.592.500.011.395.000.0580
High Rate Money Market - $50k1.783.200.351.342.380.25-43
High Rate Money Market - $100k1.783.200.351.692.480.75-8
Money Market - $100k0.732.500.011.745.000.05101
Money Market - $250k0.853.250.011.895.000.05104
High Rate Money Market - $250k1.783.200.351.742.580.75-3
Money Market - $500k0.592.300.012.155.000.65156
High Rate Money Market - $500k   2.292.731.85 
High Rate Money Market - $1 million   2.392.732.05 
Money Market - $1 million0.712.300.012.185.000.65147
Youth/Student Savings   0.500.500.50 
High Rate Savings0.030.040.022.503.750.15247
Regular Savings0.140.750.010.151.000.012
New Auto - 24 Mo6.108.994.944.836.493.89-127
New Auto - 36 Mo6.949.504.494.777.203.49-217
New Auto - 48 Mo7.039.504.494.937.203.65-211
New Auto - 60 Mo7.4012.444.495.037.203.65-236
New Auto - 72 Mo7.3212.644.495.227.952.90-210
New Auto - 84 Mo6.648.994.945.887.744.49-76
Used Auto - 24 Mo6.258.994.945.216.994.25-104
Used Auto - 36 Mo7.379.504.495.208.243.49-217
Used Auto - 48 Mo7.5811.004.495.348.243.99-225
Used Auto - 60 Mo7.9912.444.495.478.243.99-252
Used Auto - 72 Mo7.6412.644.495.748.244.24-190
Used Auto - 84 Mo6.648.994.946.177.194.49-47
Used Boat-60 Mo6.496.496.497.8310.494.99134
New Boat-60 Mo8.5911.505.507.3110.494.49-128
Rewards Credit Card17.1419.4914.4912.9317.748.90-422
Credit Card Platinum15.3719.494.4911.7317.246.90-364
Credit Card Classic15.3028.249.7413.5427.747.45-176
Home Equity - LOC 80%7.9611.755.506.768.004.00-120
Home Equity - 5 Yr 80%7.008.405.446.979.905.24-3
Home Equity - 10 Yr 80%7.308.905.547.3812.905.638
Home Equity - 15 Yr 80%7.238.205.647.6713.005.5044
7 Yr ARM6.5837.0895.7505.9696.3845.375-61
3 Yr ARM6.7958.1255.375 
5 Yr ARM6.4176.7505.6256.0337.0005.000-38
15 Yr Fixed6.2407.2505.2505.9226.5005.026-32
20 Yr Fixed6.6606.6556.4806.1988.1565.622-46
30 Yr Fixed6.6528.0005.7506.3746.8755.750-28
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 Mo   7.7510.494.49 
New Motorcycle-60 Mo   7.4310.494.49 
Used Motorhome-60 Mo6.496.496.497.7710.745.50128
New Motorhome-60 Mo8.5811.505.507.3310.494.25-126
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo10.9415.506.7410.8918.006.99-5
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* Represents the difference in the average rate between banks and credit unions.