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 - $10k1.413.530.051.923.571.0151
6 Mo CD - $10k1.893.200.032.893.822.00100
9 Mo CD - $10k1.343.300.033.253.932.74191
1 Yr CD - $10k2.133.250.053.464.152.60133
18 Mo CD - $10k1.472.500.033.194.192.70172
2 Yr CD - $10k1.682.900.032.934.002.47125
30 Mo CD - $10k1.182.080.032.804.002.23163
3 Yr CD - $10k1.502.700.032.773.472.13126
4 Yr CD - $10k1.292.200.032.613.721.98132
5 Yr CD - $10k1.522.750.032.744.141.73121
3 Mo CD - $100k1.483.530.051.963.571.0148
6 Mo CD - $100k1.963.200.032.933.822.0096
9 Mo CD - $100k1.363.300.033.253.932.74189
1 Yr CD - $100k2.143.250.053.514.152.60137
18 Mo CD - $100k1.935.050.033.234.192.70129
2 Yr CD - $100k1.762.900.032.984.102.47122
30 Mo CD - $100k1.312.230.032.924.002.23161
3 Yr CD - $100k1.552.700.032.833.682.13128
4 Yr CD - $100k1.432.230.032.673.931.98124
5 Yr CD - $100k1.622.750.032.794.341.73118
High Rate Checking0.040.070.013.505.002.00346
Basic Checking0.050.100.010.080.250.013
IRA - 1 Year - $10k2.143.000.053.614.302.64147
IRA - 1 Year - $100k1.883.000.383.714.302.85183
IRA - Liquid - $10k0.442.000.030.392.110.05-4
IRA - Liquid - $100k0.802.000.010.402.110.05-40
Money Market - $2.5k0.130.250.040.430.600.2530
Money Market - $10k0.130.250.040.500.800.2537
High Rate Money Market - $10k1.751.751.75    
High Rate Money Market - $25k1.751.751.75    
Money Market - $25k0.190.400.040.530.800.3034
Money Market - $50k0.190.400.040.640.800.4045
High Rate Money Market - $50k1.751.751.75    
High Rate Money Market - $100k1.751.751.75    
Money Market - $100k0.210.500.050.861.220.4565
Money Market - $250k0.240.700.050.991.540.5075
High Rate Money Market - $250k1.751.751.75    
Money Market - $500k0.130.250.050.951.550.5083
Money Market - $1 million0.130.250.050.951.550.5083
High Rate Savings0.030.040.022.252.252.25222
Regular Savings0.070.150.010.232.010.0817
New Auto - 24 Mo5.866.155.445.296.394.24-57
New Auto - 36 Mo6.709.505.445.366.394.24-134
New Auto - 48 Mo6.709.505.445.366.394.24-133
New Auto - 60 Mo6.709.505.445.396.394.24-131
New Auto - 72 Mo6.959.755.575.496.394.24-146
New Auto - 84 Mo6.576.996.155.636.394.24-94
Used Auto - 24 Mo6.036.455.645.456.394.72-58
Used Auto - 36 Mo7.109.505.645.506.394.72-160
Used Auto - 48 Mo7.109.505.645.516.394.84-159
Used Auto - 60 Mo7.269.505.645.546.394.99-173
Used Auto - 72 Mo7.179.755.995.646.394.99-154
Used Auto - 84 Mo6.226.455.995.796.394.99-43
Used Boat-60 Mo8.048.078.007.408.996.35-64
New Boat-60 Mo7.8010.506.007.268.996.35-54
Rewards Credit Card17.8720.4914.4912.2517.749.90-562
Credit Card Platinum16.8218.4914.499.0311.153.10-780
Credit Card Classic15.2217.4913.9012.2115.159.90-301
Home Equity - LOC 80%8.309.507.496.188.500.25-211
Home Equity - 5 Yr 80%9.1210.007.508.2410.507.04-89
Home Equity - 10 Yr 80%9.1210.007.508.3010.507.40-82
Home Equity - 15 Yr 80%9.9510.009.898.3710.877.40-157
7 Yr ARM6.2906.5035.9616.1166.5395.500-17
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 Mo7.007.007.006.597.345.49-41
New Motorcycle-60 Mo7.007.007.006.597.345.49-41
Used Motorhome-60 Mo7.668.077.257.698.996.743
New Motorhome-60 Mo7.9410.506.007.688.996.74-26
Unsecured - 36 Mo11.4313.006.7411.7614.909.9034
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* Represents the difference in the average rate between banks and credit unions.