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 - $10k1.433.930.012.773.900.50134
6 Mo CD - $10k1.703.830.012.873.950.45117
9 Mo CD - $10k1.263.800.013.304.001.50204
1 Yr CD - $10k1.783.910.013.193.951.25141
18 Mo CD - $10k1.443.910.013.263.951.60182
2 Yr CD - $10k1.394.060.013.184.201.95180
30 Mo CD - $10k1.173.410.013.154.052.00198
3 Yr CD - $10k1.284.060.013.114.052.00183
4 Yr CD - $10k1.103.360.013.114.202.00201
5 Yr CD - $10k1.384.110.013.134.101.98175
3 Mo CD - $100k1.473.830.012.783.900.50132
6 Mo CD - $100k1.933.830.012.873.950.5094
9 Mo CD - $100k1.523.800.012.974.001.00145
1 Yr CD - $100k2.003.910.013.203.951.30120
18 Mo CD - $100k1.643.910.013.313.951.60167
2 Yr CD - $100k1.584.060.013.174.201.95159
30 Mo CD - $100k1.133.410.013.154.052.02201
3 Yr CD - $100k1.484.060.013.094.052.00161
4 Yr CD - $100k1.283.360.012.994.052.00171
5 Yr CD - $100k1.534.110.013.054.101.98152
High Rate Checking1.093.250.013.315.000.01222
Basic Checking0.201.100.010.101.000.01-10
IRA - 1 Year - $10k1.583.850.013.113.951.30153
IRA - 1 Year - $100k2.043.510.013.113.951.30108
IRA - Liquid - $10k0.242.000.010.915.300.0167
IRA - Liquid - $100k0.522.010.010.622.400.0110
High Rate Money Market - $2.5k0.571.250.151.142.020.2557
Money Market - $2.5k0.533.060.010.933.150.0540
Money Market - $10k0.593.060.010.913.150.0532
High Rate Money Market - $10k0.501.250.031.483.150.2598
High Rate Money Market - $25k0.591.250.081.733.150.25114
Money Market - $25k0.703.300.011.123.150.1043
Money Market - $50k0.763.300.011.283.150.1053
High Rate Money Market - $50k0.611.250.111.863.150.25125
High Rate Money Market - $100k1.021.750.112.373.401.55135
Money Market - $100k0.963.300.011.503.400.1554
Money Market - $250k1.073.300.011.663.650.2059
High Rate Money Market - $250k1.342.550.112.713.651.65137
Money Market - $500k1.342.680.151.853.650.3051
High Rate Money Market - $500k2.402.652.001.942.021.85-47
High Rate Money Market - $1 million2.452.802.002.042.052.02-42
Money Market - $1 million1.462.680.152.043.900.3059
High Rate Savings0.773.000.022.436.000.30166
Regular Savings0.474.400.010.182.000.01-30
New Auto - 24 Mo7.108.595.444.816.503.89-229
New Auto - 36 Mo6.649.005.104.796.503.89-184
New Auto - 48 Mo6.789.005.104.876.503.99-190
New Auto - 60 Mo6.629.004.754.966.503.99-166
New Auto - 72 Mo6.989.255.135.156.503.99-183
New Auto - 84 Mo7.378.595.495.597.253.99-178
Used Auto - 24 Mo7.178.785.494.966.243.99-220
Used Auto - 36 Mo6.809.255.364.906.243.99-190
Used Auto - 48 Mo6.849.255.494.996.243.99-185
Used Auto - 60 Mo6.679.254.755.076.243.99-160
Used Auto - 72 Mo7.199.505.495.246.243.99-195
Used Auto - 84 Mo7.498.785.495.647.253.99-185
Used Boat-60 Mo9.0311.015.597.8110.754.99-122
New Boat-60 Mo8.3111.525.597.8213.684.94-49
Rewards Credit Card18.4729.9011.8015.3418.0011.24-313
Credit Card Platinum16.1919.4910.7413.0517.248.45-314
Credit Card Classic17.3524.9911.7513.4417.999.49-391
Home Equity - LOC 80%7.669.254.996.858.005.50-81
Home Equity - 5 Yr 80%8.8110.617.497.148.255.50-167
Home Equity - 10 Yr 80%8.5610.617.357.238.256.25-133
Home Equity - 15 Yr 80%8.5610.617.357.408.256.25-116
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 Mo7.4310.195.597.4110.754.00-1
New Motorcycle-60 Mo7.3510.195.597.0510.454.00-30
Used Motorhome-60 Mo9.9212.057.507.6110.754.99-230
New Motorhome-60 Mo8.8711.525.907.6413.684.84-122
Unsecured - 36 Mo10.3813.996.7411.2214.486.9984
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* Represents the difference in the average rate between banks and credit unions.