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 - $10k1.583.750.053.115.001.00153
6 Mo CD - $10k2.113.750.053.285.000.75117
9 Mo CD - $10k1.873.700.043.623.793.50174
1 Yr CD - $10k2.313.750.043.213.790.9090
18 Mo CD - $10k2.063.470.053.043.750.9598
2 Yr CD - $10k2.313.500.052.973.751.0066
30 Mo CD - $10k2.123.470.083.673.753.55155
3 Yr CD - $10k2.313.500.082.813.801.2550
4 Yr CD - $10k2.293.500.102.763.751.0047
5 Yr CD - $10k2.283.600.102.733.751.0045
3 Mo CD - $100k1.603.750.053.145.001.00154
6 Mo CD - $100k2.153.890.053.415.001.50126
9 Mo CD - $100k1.873.700.043.623.793.50174
1 Yr CD - $100k2.393.750.043.323.902.0093
18 Mo CD - $100k2.173.620.053.153.751.7598
2 Yr CD - $100k2.353.500.053.063.751.5071
30 Mo CD - $100k2.093.470.083.673.753.55158
3 Yr CD - $100k2.353.500.082.913.801.2556
4 Yr CD - $100k2.313.500.102.793.751.0048
5 Yr CD - $100k2.343.600.102.763.751.0042
High Rate Checking1.553.000.105.005.005.00345
Basic Checking0.201.980.010.100.250.01-9
IRA - 1 Year - $10k2.253.750.043.123.790.2587
IRA - 1 Year - $100k0.892.000.042.633.750.25175
IRA - Liquid - $10k1.394.170.011.052.530.05-34
IRA - Liquid - $100k0.712.500.010.701.760.20-1
Money Market - $2.5k0.461.980.011.002.950.2555
Money Market - $10k0.552.370.010.881.750.3533
High Rate Money Market - $10k0.380.500.08    
High Rate Money Market - $25k1.073.560.10    
Money Market - $25k0.742.760.011.042.050.5030
Money Market - $50k0.873.250.011.192.050.5031
High Rate Money Market - $50k1.073.560.10    
High Rate Money Market - $100k1.193.560.10    
Money Market - $100k1.133.250.051.372.520.5024
Money Market - $250k1.313.250.051.492.520.5018
High Rate Money Market - $250k1.353.560.10    
Money Market - $500k0.642.300.022.142.521.25151
High Rate Money Market - $500k3.563.563.56    
High Rate Money Market - $1 million3.563.563.56    
Money Market - $1 million0.642.300.022.142.521.25151
High Rate Savings1.103.250.022.933.002.85183
Regular Savings0.333.100.010.201.000.05-13
New Auto - 24 Mo6.438.595.574.585.273.99-185
New Auto - 36 Mo7.3910.755.005.197.993.99-219
New Auto - 48 Mo7.3910.755.005.287.994.20-212
New Auto - 60 Mo7.5110.755.005.347.994.20-217
New Auto - 72 Mo7.4910.755.005.587.994.20-192
New Auto - 84 Mo7.178.595.745.155.744.25-202
Used Auto - 24 Mo7.5510.035.744.585.273.99-297
Used Auto - 36 Mo7.5711.505.005.217.993.99-236
Used Auto - 48 Mo7.6211.505.505.297.994.20-232
Used Auto - 60 Mo7.7011.505.505.357.994.20-235
Used Auto - 72 Mo7.7110.755.505.587.994.20-213
Used Auto - 84 Mo7.178.595.745.155.744.25-202
Used Boat-60 Mo9.299.299.296.507.994.50-279
New Boat-60 Mo7.9611.285.006.488.094.50-148
Rewards Credit Card17.6229.909.9912.2717.748.88-535
Credit Card Platinum16.5019.4912.4912.4317.247.00-406
Credit Card Classic17.7129.9012.9012.5617.008.90-515
Home Equity - LOC 80%7.969.506.507.028.005.75-94
Home Equity - 5 Yr 80%7.029.755.257.918.907.5090
Home Equity - 10 Yr 80%7.709.927.007.698.813.99-1
Home Equity - 15 Yr 80%8.1910.116.007.969.504.99-23
7 Yr ARM6.4267.0895.6256.9466.8756.87552
3 Yr ARM7.5757.4007.400 
5 Yr ARM7.0707.6255.5007.5747.5007.50050
15 Yr Fixed6.1596.8755.2506.0497.0005.375-11
20 Yr Fixed6.0086.1795.657 
30 Yr Fixed6.5907.0005.9906.6187.5006.0003
Used Motorcycle-60 Mo   5.576.954.50 
New Motorcycle-60 Mo   5.576.954.50 
Used Motorhome-60 Mo9.299.299.295.837.254.50-346
New Motorhome-60 Mo8.0911.285.006.368.094.50-173
Unsecured - 36 Mo10.9315.506.0011.1315.008.5020
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* Represents the difference in the average rate between banks and credit unions.