RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,849 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 - $10k0.803.850.011.313.540.0551
6 Mo CD - $10k1.423.850.012.033.750.0761
9 Mo CD - $10k2.363.850.012.705.300.7534
1 Yr CD - $10k1.623.750.012.624.000.10100
18 Mo CD - $10k1.473.780.012.633.750.12116
2 Yr CD - $10k1.383.750.012.584.000.15120
30 Mo CD - $10k1.443.750.012.273.250.1883
3 Yr CD - $10k1.353.750.012.514.000.20116
4 Yr CD - $10k1.313.500.012.514.000.30120
5 Yr CD - $10k1.483.750.012.704.000.30121
3 Mo CD - $100k0.843.850.011.383.540.0754
6 Mo CD - $100k1.443.850.012.193.750.1076
9 Mo CD - $100k2.403.850.012.705.300.7530
1 Yr CD - $100k1.673.750.012.754.000.20109
18 Mo CD - $100k1.493.780.012.743.750.22125
2 Yr CD - $100k1.413.750.012.764.000.20135
30 Mo CD - $100k1.433.750.012.313.450.2388
3 Yr CD - $100k1.363.750.012.714.000.25135
4 Yr CD - $100k1.323.600.012.634.000.30132
5 Yr CD - $100k1.503.750.012.854.000.40135
High Rate Checking0.060.080.031.752.501.00170
Basic Checking0.131.000.010.262.000.0114
IRA - 1 Year - $10k1.444.100.012.613.930.25117
IRA - 1 Year - $100k1.012.000.012.603.500.85160
IRA - Liquid - $10k0.733.440.010.913.000.0519
IRA - Liquid - $100k1.672.520.500.491.250.10-118
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.272.290.010.683.150.0541
Money Market - $10k0.483.600.010.743.150.0526
High Rate Money Market - $10k3.753.753.750.672.000.25-308
High Rate Money Market - $25k3.753.753.751.513.150.60-224
Money Market - $25k0.643.600.010.833.150.1519
Money Market - $50k0.743.600.010.993.150.1525
High Rate Money Market - $50k3.753.753.751.723.200.60-203
High Rate Money Market - $100k3.753.753.751.753.250.70-200
Money Market - $100k0.853.600.011.113.150.1526
Money Market - $250k0.923.800.011.263.150.1534
High Rate Money Market - $250k3.753.753.751.793.350.80-196
Money Market - $500k0.602.290.011.061.800.2546
High Rate Money Market - $500k   0.800.800.80 
High Rate Money Market - $1 million   0.800.800.80 
Money Market - $1 million0.602.290.011.061.800.2546
High Rate Savings0.020.020.020.050.050.053
Regular Savings0.120.500.010.314.890.0119
New Auto - 24 Mo6.4710.174.944.835.893.25-164
New Auto - 36 Mo6.448.634.004.716.742.49-172
New Auto - 48 Mo6.518.634.004.896.742.49-162
New Auto - 60 Mo6.668.904.995.197.153.24-147
New Auto - 72 Mo6.889.904.995.507.753.49-138
New Auto - 84 Mo5.435.704.945.516.554.699
Used Auto - 24 Mo6.7210.624.945.316.393.99-141
Used Auto - 36 Mo7.0910.005.245.147.502.99-195
Used Auto - 48 Mo7.089.505.245.307.502.99-179
Used Auto - 60 Mo7.119.505.495.607.753.74-151
Used Auto - 72 Mo7.259.504.255.887.754.24-137
Used Auto - 84 Mo5.295.644.946.266.755.6497
Used Boat-60 Mo6.848.055.996.739.242.50-11
New Boat-60 Mo8.1612.255.497.2612.002.50-91
Rewards Credit Card16.4019.999.9914.8717.748.90-153
Credit Card Platinum14.8019.498.9913.7417.248.45-106
Credit Card Classic14.5620.249.9912.5716.908.90-199
Home Equity - LOC 80%7.378.855.506.808.005.75-57
Home Equity - 5 Yr 80%7.6110.505.386.519.244.49-110
Home Equity - 10 Yr 80%7.9911.005.546.8510.245.25-114
Home Equity - 15 Yr 80%7.7612.005.646.858.755.75-91
7 Yr ARM7.0108.5005.8755.3216.2582.875-169
3 Yr ARM6.8278.1255.6256.3758.1254.625-45
5 Yr ARM6.8938.3755.7505.9616.3754.875-93
15 Yr Fixed6.4879.1405.0005.9316.5005.000-56
20 Yr Fixed6.5696.4776.4775.8675.8755.400-70
30 Yr Fixed6.4778.2500.1256.3416.9505.875-14
7 Yr ARM-Jumbo5.0645.0005.000 
Used Motorcycle-60 Mo7.497.497.496.388.992.00-111
New Motorcycle-60 Mo7.497.497.496.118.992.00-138
Used Motorhome-60 Mo6.857.836.246.569.242.00-30
New Motorhome-60 Mo8.0812.255.497.2312.002.00-86
Unsecured - 36 Mo12.2018.008.2410.8514.007.75-135
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* Represents the difference in the average rate between banks and credit unions.