RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

Sort by Product  / State

Idaho

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.333.550.011.813.900.3048
6 Mo CD - $10k1.703.840.012.694.100.4599
9 Mo CD - $10k1.423.980.013.533.952.85211
1 Yr CD - $10k1.773.840.012.904.100.49113
18 Mo CD - $10k1.473.700.012.964.050.80150
2 Yr CD - $10k1.273.600.012.954.200.70168
30 Mo CD - $10k0.913.550.013.514.051.95260
3 Yr CD - $10k1.163.750.012.884.200.80173
4 Yr CD - $10k1.223.750.012.924.250.90170
5 Yr CD - $10k1.153.650.012.984.301.00183
3 Mo CD - $100k1.333.600.011.763.900.3043
6 Mo CD - $100k1.803.840.012.704.100.4590
9 Mo CD - $100k1.523.980.013.563.952.95203
1 Yr CD - $100k1.893.840.012.914.100.49102
18 Mo CD - $100k1.615.050.012.974.050.80136
2 Yr CD - $100k1.333.800.012.964.200.70163
30 Mo CD - $100k0.843.650.013.514.051.95266
3 Yr CD - $100k1.213.750.012.904.200.80169
4 Yr CD - $100k1.253.750.012.934.250.90168
5 Yr CD - $100k1.183.750.012.994.301.00181
High Rate Checking0.050.100.012.414.071.00236
Basic Checking0.070.300.011.073.500.0199
IRA - 1 Year - $10k1.593.990.012.964.000.70137
IRA - 1 Year - $100k1.073.550.013.374.000.70230
IRA - Liquid - $10k0.233.560.010.565.300.0533
IRA - Liquid - $100k0.523.560.010.783.040.0526
High Rate Money Market - $2.5k0.451.250.050.200.200.20-25
Money Market - $2.5k0.631.880.010.682.600.055
Money Market - $10k0.642.750.010.762.700.0512
High Rate Money Market - $10k0.782.000.051.582.470.2080
High Rate Money Market - $25k0.962.000.101.352.580.2039
Money Market - $25k0.883.340.010.932.800.055
Money Market - $50k0.943.340.011.072.900.1013
High Rate Money Market - $50k1.012.000.151.332.580.3033
High Rate Money Market - $100k1.001.960.201.633.290.3564
Money Market - $100k1.043.340.011.413.000.1037
Money Market - $250k1.173.340.011.563.450.1039
High Rate Money Market - $250k1.122.760.201.883.390.4076
Money Market - $500k0.893.400.051.783.450.1090
High Rate Money Market - $500k1.812.600.750.961.510.40-86
High Rate Money Market - $1 million1.882.601.000.961.510.40-92
Money Market - $1 million0.913.400.051.974.050.10106
High Rate Savings0.090.250.022.433.401.50234
Regular Savings0.141.000.010.100.500.01-4
New Auto - 24 Mo6.568.594.995.8813.254.74-68
New Auto - 36 Mo7.4310.805.245.106.744.24-233
New Auto - 48 Mo7.3510.005.445.146.744.25-221
New Auto - 60 Mo7.3510.005.445.276.744.25-208
New Auto - 72 Mo7.469.565.755.426.994.25-203
New Auto - 84 Mo7.178.595.585.626.504.74-155
Used Auto - 24 Mo6.638.784.995.6610.594.74-97
Used Auto - 36 Mo7.4810.805.245.116.744.24-237
Used Auto - 48 Mo7.3910.005.495.156.744.25-224
Used Auto - 60 Mo7.3810.005.645.286.744.25-210
Used Auto - 72 Mo7.519.565.755.436.994.25-208
Used Auto - 84 Mo7.248.785.586.2712.194.74-97
Used Boat-60 Mo10.0311.019.296.817.893.65-322
New Boat-60 Mo9.2811.525.757.0210.394.99-227
Rewards Credit Card17.0620.4911.2513.0518.498.90-401
Credit Card Platinum16.5318.4911.2511.9515.259.00-457
Credit Card Classic14.6720.2411.4912.3015.758.90-237
Home Equity - LOC 80%7.989.746.506.898.505.75-110
Home Equity - 5 Yr 80%7.828.984.007.499.255.00-33
Home Equity - 10 Yr 80%8.079.664.757.599.255.75-48
Home Equity - 15 Yr 80%8.5410.085.507.9810.496.15-56
7 Yr ARM6.7097.4406.1626.6857.1295.990-2
5 Yr ARM7.0538.1536.1546.5217.2284.990-53
15 Yr Fixed6.1647.2505.0006.2917.6255.00013
20 Yr Fixed6.7386.9266.3436.4426.5196.161-30
30 Yr Fixed6.7017.2116.1256.7658.3755.8756
15 Yr Fixed-Jumbo6.4786.3506.350 
20 Yr Fixed-Jumbo7.0316.9276.927 
7 Yr ARM-Jumbo6.4866.4096.409 
5 Yr ARM-Jumbo6.4866.4096.409 
30 Yr Fixed-Jumbo7.0636.9836.983 
Used Motorcycle-60 Mo9.809.809.807.158.793.05-265
New Motorcycle-60 Mo9.809.809.807.8811.846.49-192
Used Motorhome-60 Mo10.0311.019.296.837.743.65-320
New Motorhome-60 Mo9.1811.525.757.018.444.99-216
Unsecured - 36 Mo11.4013.966.7411.5515.999.0015
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.