RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,766 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 - $10k1.073.950.010.893.550.10-18
6 Mo CD - $10k1.493.900.011.985.000.1049
9 Mo CD - $10k1.493.850.011.763.650.4027
1 Yr CD - $10k1.744.500.012.064.000.1532
18 Mo CD - $10k1.643.500.012.273.920.4063
2 Yr CD - $10k1.713.590.012.003.700.2528
30 Mo CD - $10k1.813.500.011.933.750.6012
3 Yr CD - $10k1.703.500.011.993.680.3029
4 Yr CD - $10k1.713.550.012.044.200.7533
5 Yr CD - $10k1.703.700.012.324.000.3563
3 Mo CD - $100k1.133.950.010.933.550.10-20
6 Mo CD - $100k1.493.990.011.704.130.1521
9 Mo CD - $100k1.573.850.011.793.650.5022
1 Yr CD - $100k1.724.500.012.154.000.3042
18 Mo CD - $100k1.683.500.012.403.920.4072
2 Yr CD - $100k1.753.600.012.093.700.5033
30 Mo CD - $100k1.863.500.011.823.750.60-4
3 Yr CD - $100k1.773.500.012.083.680.6030
4 Yr CD - $100k1.743.600.012.073.700.7532
5 Yr CD - $100k1.773.750.012.414.000.7064
High Rate Checking   3.866.250.15 
Basic Checking0.302.250.010.795.000.0149
IRA - 1 Year - $10k1.723.850.032.004.250.1528
IRA - 1 Year - $100k1.501.501.502.124.250.3562
IRA - Liquid - $10k0.792.720.010.572.750.10-22
IRA - Liquid - $100k0.010.010.010.360.750.1035
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.632.650.010.563.150.05-6
Money Market - $10k0.702.750.010.583.150.05-12
High Rate Money Market - $10k1.131.750.500.902.960.10-23
High Rate Money Market - $25k1.131.750.501.683.150.2554
Money Market - $25k0.722.750.010.613.200.05-11
Money Market - $50k0.792.750.010.683.200.05-10
High Rate Money Market - $50k1.302.250.501.703.200.2540
High Rate Money Market - $100k1.382.500.501.963.250.4058
Money Market - $100k0.913.000.010.823.200.05-8
Money Market - $250k0.983.930.011.093.200.0511
High Rate Money Market - $250k1.703.000.502.003.350.4030
Money Market - $500k1.022.850.051.173.200.2515
High Rate Money Market - $500k   1.751.851.65 
High Rate Money Market - $1 million   1.852.051.65 
Money Market - $1 million1.022.850.051.173.200.2515
High Rate Savings1.142.250.021.201.401.006
Regular Savings0.342.700.010.284.890.01-6
New Auto - 24 Mo5.995.995.994.375.742.99-162
New Auto - 36 Mo7.0310.004.004.686.993.49-235
New Auto - 48 Mo7.0810.994.254.926.993.99-216
New Auto - 60 Mo7.2110.994.755.337.753.99-187
New Auto - 72 Mo7.1610.995.205.718.253.99-145
New Auto - 84 Mo5.995.995.995.556.504.49-44
Used Auto - 24 Mo5.995.995.994.805.892.99-119
Used Auto - 36 Mo7.9212.005.004.996.993.49-293
Used Auto - 48 Mo7.9512.005.005.246.994.19-271
Used Auto - 60 Mo7.9412.005.745.647.754.24-230
Used Auto - 72 Mo7.198.006.506.028.254.49-117
Used Auto - 84 Mo5.995.995.996.017.504.492
Used Boat-60 Mo   7.4110.355.49 
New Boat-60 Mo8.0310.755.707.2210.354.49-81
Rewards Credit Card16.4623.249.7513.9617.748.25-250
Credit Card Platinum16.0518.499.9012.0817.248.90-397
Credit Card Classic15.1828.240.1013.4518.009.24-174
Home Equity - LOC 80%7.559.005.497.4812.495.75-6
Home Equity - 5 Yr 80%8.158.996.755.918.243.75-223
Home Equity - 10 Yr 80%7.919.255.756.068.243.75-185
Home Equity - 15 Yr 80%7.969.255.756.258.244.25-172
7 Yr ARM6.2906.5035.9616.1166.5395.500-17
3 Yr ARM6.2556.6015.908 
5 Yr ARM5.9966.4485.248 
15 Yr Fixed5.8456.1105.5345.6165.8795.375-23
20 Yr Fixed6.2446.6515.7526.0366.2735.750-21
30 Yr Fixed6.4427.2316.0006.2176.5005.984-23
Used Motorcycle-60 Mo   7.3210.355.49 
New Motorcycle-60 Mo   6.9010.354.49 
Used Motorhome-60 Mo   7.3710.105.49 
New Motorhome-60 Mo8.0910.505.707.2010.104.49-89
Unsecured - 36 Mo11.2714.255.0010.5014.756.99-77
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* Represents the difference in the average rate between banks and credit unions.