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 - $10k1.554.140.012.765.330.20121
6 Mo CD - $10k2.144.110.013.064.200.1092
9 Mo CD - $10k2.234.430.013.505.332.75127
1 Yr CD - $10k2.324.060.013.304.250.7098
18 Mo CD - $10k2.193.970.013.215.330.75102
2 Yr CD - $10k2.184.000.013.114.000.6593
30 Mo CD - $10k2.113.690.012.973.501.5586
3 Yr CD - $10k2.164.050.013.083.900.7592
4 Yr CD - $10k2.204.150.013.064.350.6586
5 Yr CD - $10k2.254.150.013.083.950.3583
3 Mo CD - $100k1.594.140.012.845.330.20125
6 Mo CD - $100k2.184.110.013.084.250.1090
9 Mo CD - $100k2.264.430.013.505.332.75124
1 Yr CD - $100k2.344.060.013.324.300.7098
18 Mo CD - $100k2.203.970.013.205.330.75100
2 Yr CD - $100k2.204.000.013.144.050.6594
30 Mo CD - $100k2.143.690.013.083.651.5593
3 Yr CD - $100k2.214.050.013.113.950.7591
4 Yr CD - $100k2.224.150.013.044.400.6582
5 Yr CD - $100k2.274.150.013.084.000.3580
Youth/Student Checking   0.100.100.10 
High Rate Checking0.633.500.013.385.000.30275
Basic Checking0.181.980.010.634.250.0146
HSA - $1k0.010.010.010.200.200.2019
HSA - $10k1.251.251.250.500.500.50-75
HSA - $25k   1.011.011.01 
IRA - 1 Year - $10k2.304.000.013.334.150.70104
IRA - 1 Year - $100k2.053.550.013.354.001.30131
IRA - Liquid - $10k1.065.000.010.684.080.01-38
IRA - Liquid - $100k1.123.490.011.015.090.01-11
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.503.010.010.862.300.0536
Money Market - $10k0.613.010.011.073.250.0547
High Rate Money Market - $10k0.833.200.010.883.250.255
High Rate Money Market - $25k1.303.450.012.283.250.2598
Money Market - $25k0.713.010.011.253.250.0554
Money Market - $50k0.843.010.011.433.250.0559
High Rate Money Market - $50k1.453.450.012.383.250.2593
High Rate Money Market - $100k1.813.450.012.663.251.5585
Money Market - $100k1.033.500.011.683.750.0565
Money Market - $250k1.203.500.011.814.030.0561
High Rate Money Market - $250k1.973.540.012.803.351.6582
Money Market - $500k1.043.010.011.833.350.0579
High Rate Money Market - $500k2.282.552.001.851.851.85-43
High Rate Money Market - $1 million2.282.552.002.052.052.05-23
Money Market - $1 million1.063.010.011.853.350.0579
High Rate Savings0.752.500.022.815.010.05206
Regular Savings0.242.000.010.254.080.011
New Auto - 24 Mo6.698.594.994.605.893.74-209
New Auto - 36 Mo7.0911.003.504.887.503.74-221
New Auto - 48 Mo7.1812.003.634.988.003.85-220
New Auto - 60 Mo7.2312.253.755.058.003.85-219
New Auto - 72 Mo7.3210.253.755.288.253.85-204
New Auto - 84 Mo7.088.595.395.717.743.85-137
Used Auto - 24 Mo6.718.594.994.886.093.99-183
Used Auto - 36 Mo7.4811.004.005.087.503.99-240
Used Auto - 48 Mo7.6012.004.135.198.003.99-240
Used Auto - 60 Mo7.5312.254.255.248.003.99-229
Used Auto - 72 Mo7.3811.384.995.508.253.99-188
Used Auto - 84 Mo7.088.595.396.038.003.99-105
Used Boat-60 Mo8.439.945.757.3710.004.49-106
New Boat-60 Mo8.0712.500.507.2110.004.19-87
Rewards Credit Card17.0620.4912.0014.5517.998.99-251
Credit Card Platinum15.8018.749.7412.7617.997.90-304
Credit Card Classic15.6328.249.7413.9027.747.90-173
Home Equity - LOC 80%7.709.504.996.669.344.99-103
Home Equity - 5 Yr 80%7.459.384.756.869.505.50-59
Home Equity - 10 Yr 80%7.478.994.756.919.505.49-56
Home Equity - 15 Yr 80%7.359.004.757.139.415.59-22
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 Mo7.5010.195.757.0610.054.35-44
New Motorcycle-60 Mo7.4910.195.756.809.143.85-69
Used Motorhome-60 Mo8.479.945.757.4512.004.49-102
New Motorhome-60 Mo8.2712.503.887.3212.004.19-95
Unsecured - 36 Mo11.5419.755.3810.5613.494.99-98
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* Represents the difference in the average rate between banks and credit unions.