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 - $10k1.135.500.011.645.330.1051
6 Mo CD - $10k1.533.750.012.694.250.10116
9 Mo CD - $10k1.825.500.013.045.331.25122
1 Yr CD - $10k1.624.500.013.114.250.10149
18 Mo CD - $10k1.565.500.013.095.330.18154
2 Yr CD - $10k1.413.700.013.134.550.25172
30 Mo CD - $10k1.395.500.012.903.831.90152
3 Yr CD - $10k1.405.500.013.074.600.35167
4 Yr CD - $10k1.365.500.013.174.202.00181
5 Yr CD - $10k1.505.500.013.164.140.70166
3 Mo CD - $100k1.145.500.011.845.330.1070
6 Mo CD - $100k1.613.750.012.684.250.12107
9 Mo CD - $100k1.915.500.013.045.331.25113
1 Yr CD - $100k1.684.500.013.174.250.18149
18 Mo CD - $100k1.585.500.013.125.330.18154
2 Yr CD - $100k1.483.750.013.164.550.30168
30 Mo CD - $100k1.385.500.012.933.831.95155
3 Yr CD - $100k1.435.500.013.094.600.40166
4 Yr CD - $100k1.415.500.013.174.002.00177
5 Yr CD - $100k1.535.500.013.164.340.75163
High Rate Checking0.020.030.012.755.000.05273
Basic Checking0.081.000.010.091.000.011
HSA - $1k   0.511.000.01 
HSA - $10k   0.511.000.01 
HSA - $25k   0.511.000.01 
IRA - 1 Year - $10k1.413.700.013.204.250.10179
IRA - 1 Year - $100k2.553.701.503.244.251.3069
IRA - Liquid - $10k0.272.470.011.253.780.0199
IRA - Liquid - $100k1.042.000.011.093.560.015
High Rate Money Market - $2.5k   1.161.980.25 
Money Market - $2.5k0.453.250.011.124.000.0167
Money Market - $10k0.523.250.011.173.150.0165
High Rate Money Market - $10k0.683.200.011.363.150.2568
High Rate Money Market - $25k0.743.200.031.463.150.2572
Money Market - $25k0.613.400.011.253.150.0164
Money Market - $50k0.653.400.011.393.150.0173
High Rate Money Market - $50k0.763.200.051.553.150.2580
High Rate Money Market - $100k0.883.200.141.923.400.75104
Money Market - $100k0.793.400.011.553.400.0176
Money Market - $250k0.853.400.011.633.930.0177
High Rate Money Market - $250k0.883.200.142.213.650.75133
Money Market - $500k0.893.400.011.813.650.0192
High Rate Money Market - $500k   2.614.001.85 
High Rate Money Market - $1 million   2.684.001.98 
Money Market - $1 million0.893.400.011.813.650.0192
High Rate Savings1.723.500.021.833.400.1511
Regular Savings0.173.800.010.222.250.015
New Auto - 24 Mo6.018.994.944.736.493.74-128
New Auto - 36 Mo6.939.004.974.887.003.74-205
New Auto - 48 Mo7.049.254.974.987.003.99-206
New Auto - 60 Mo7.1110.504.975.097.003.99-202
New Auto - 72 Mo7.1610.505.475.277.002.90-188
New Auto - 84 Mo6.398.994.945.526.943.99-87
Used Auto - 24 Mo6.138.994.945.116.993.99-102
Used Auto - 36 Mo7.3410.005.495.329.753.99-202
Used Auto - 48 Mo7.5511.005.495.429.753.99-213
Used Auto - 60 Mo7.6711.255.495.529.753.99-215
Used Auto - 72 Mo7.0310.275.645.749.753.99-129
Used Auto - 84 Mo6.398.994.945.676.743.99-72
Used Boat-60 Mo6.246.495.997.4511.505.49121
New Boat-60 Mo8.4112.005.507.4210.504.49-100
Rewards Credit Card17.3623.2414.4513.1718.008.90-418
Credit Card Platinum16.0119.4912.4911.9317.997.50-408
Credit Card Classic16.7928.249.7412.7327.745.99-406
Home Equity - LOC 80%7.5211.755.247.079.250.25-44
Home Equity - 5 Yr 80%6.638.345.446.897.845.6426
Home Equity - 10 Yr 80%6.658.305.547.099.256.1444
Home Equity - 15 Yr 80%6.688.305.647.128.246.2444
7 Yr ARM6.2906.5035.9616.1166.5395.500-17
3 Yr ARM6.2556.6015.908 
5 Yr ARM6.3636.3636.3635.9966.4485.248-37
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
15 Yr Fixed-Jumbo6.1036.1036.103 
20 Yr Fixed-Jumbo6.6516.6516.651 
7 Yr ARM-Jumbo6.3266.3266.326 
5 Yr ARM-Jumbo6.3356.3356.335 
30 Yr Fixed-Jumbo6.7376.7376.737 
Used Motorcycle-60 Mo7.497.497.496.8910.494.49-60
New Motorcycle-60 Mo7.497.497.496.5410.494.49-95
Used Motorhome-60 Mo6.376.496.247.3110.505.3494
New Motorhome-60 Mo8.4112.005.507.4710.504.49-94
Unsecured - 36 Mo11.3317.007.9911.1418.006.09-19
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* Represents the difference in the average rate between banks and credit unions.