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 - $10k1.453.700.011.833.900.3038
6 Mo CD - $10k1.893.740.012.764.100.4587
9 Mo CD - $10k1.023.980.013.584.002.85256
1 Yr CD - $10k1.653.750.012.974.100.70132
18 Mo CD - $10k1.343.750.012.904.000.80156
2 Yr CD - $10k1.293.750.012.964.200.90167
30 Mo CD - $10k0.793.200.013.454.051.95266
3 Yr CD - $10k1.173.750.012.884.050.95171
4 Yr CD - $10k1.213.750.012.914.051.00171
5 Yr CD - $10k1.133.350.012.974.101.10185
3 Mo CD - $100k1.463.700.011.763.900.3030
6 Mo CD - $100k1.923.740.012.774.100.4584
9 Mo CD - $100k1.013.980.013.594.002.95258
1 Yr CD - $100k1.693.750.012.974.100.70129
18 Mo CD - $100k1.485.050.012.904.000.80142
2 Yr CD - $100k1.313.750.012.964.200.90165
30 Mo CD - $100k0.833.300.013.454.051.95262
3 Yr CD - $100k1.203.750.012.894.050.95169
4 Yr CD - $100k1.243.750.012.924.051.00168
5 Yr CD - $100k1.113.450.012.984.101.10187
High Rate Checking0.050.100.012.414.071.00237
Basic Checking0.080.500.011.073.500.0199
IRA - 1 Year - $10k1.513.740.013.014.170.70150
IRA - 1 Year - $100k1.683.550.013.344.000.70165
IRA - Liquid - $10k0.313.560.010.705.300.0539
IRA - Liquid - $100k0.803.560.011.063.750.0525
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.401.340.010.672.600.0527
Money Market - $10k0.472.750.010.752.700.0527
High Rate Money Market - $10k0.521.750.051.582.470.20106
High Rate Money Market - $25k0.581.750.101.352.580.2077
Money Market - $25k0.552.800.010.922.800.0537
Money Market - $50k0.612.850.011.052.900.1045
High Rate Money Market - $50k0.651.750.151.332.580.3068
High Rate Money Market - $100k0.861.750.201.633.290.3578
Money Market - $100k0.782.900.011.403.000.1062
Money Market - $250k0.882.900.011.573.450.1069
High Rate Money Market - $250k1.002.550.201.883.390.4088
Money Market - $500k0.902.600.051.813.450.1091
High Rate Money Market - $500k1.802.650.750.961.510.40-85
High Rate Money Market - $1 million1.932.801.000.961.510.40-98
Money Market - $1 million0.932.600.052.004.050.10106
High Rate Savings0.080.250.022.383.251.50230
Regular Savings0.131.000.010.100.500.01-3
New Auto - 24 Mo6.638.595.446.0113.254.49-62
New Auto - 36 Mo7.1710.004.495.156.994.19-203
New Auto - 48 Mo7.2110.004.495.196.994.25-203
New Auto - 60 Mo7.2810.004.495.326.994.25-197
New Auto - 72 Mo7.379.564.495.476.994.25-190
New Auto - 84 Mo7.298.595.495.786.744.74-151
Used Auto - 24 Mo6.718.785.495.6810.594.49-102
Used Auto - 36 Mo7.2710.004.495.176.994.19-210
Used Auto - 48 Mo7.3110.004.495.216.994.25-210
Used Auto - 60 Mo7.3910.004.495.346.994.25-206
Used Auto - 72 Mo7.619.564.495.496.994.25-212
Used Auto - 84 Mo7.358.785.496.4212.194.74-93
Used Boat-60 Mo10.0311.019.297.208.246.24-283
New Boat-60 Mo9.3311.525.757.1510.395.49-218
Rewards Credit Card17.6123.2411.9513.1018.498.90-451
Credit Card Platinum16.7818.4911.2511.9515.259.00-482
Credit Card Classic14.6720.2411.4912.4115.758.90-226
Home Equity - LOC 80%8.069.746.506.797.994.99-127
Home Equity - 5 Yr 80%7.858.984.007.479.505.00-38
Home Equity - 10 Yr 80%8.149.664.757.589.505.75-57
Home Equity - 15 Yr 80%8.7210.085.507.869.506.15-86
7 Yr ARM6.5747.4405.6256.7707.1295.99020
5 Yr ARM6.4797.4465.5006.5707.2284.9909
15 Yr Fixed6.0919.0005.0005.9716.7505.250-12
20 Yr Fixed6.5286.6556.1746.2486.2735.886-28
30 Yr Fixed6.4877.2115.5006.4698.1255.650-2
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 Mo9.809.809.807.458.796.24-235
New Motorcycle-60 Mo9.809.809.807.418.796.24-239
Used Motorhome-60 Mo10.0311.019.297.168.246.24-287
New Motorhome-60 Mo9.1911.525.757.068.445.49-212
Unsecured - 36 Mo11.4313.966.7411.4715.996.744
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* Represents the difference in the average rate between banks and credit unions.