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 - $10k2.104.500.012.645.330.2054
6 Mo CD - $10k2.644.150.012.884.050.4024
9 Mo CD - $10k2.544.490.013.285.331.8674
1 Yr CD - $10k2.684.050.012.964.000.5029
18 Mo CD - $10k2.504.000.012.875.330.5536
2 Yr CD - $10k2.393.930.012.783.800.6039
30 Mo CD - $10k2.253.750.012.883.741.0064
3 Yr CD - $10k2.273.930.012.753.830.6548
4 Yr CD - $10k2.273.930.012.824.201.0055
5 Yr CD - $10k2.283.930.012.754.140.3047
3 Mo CD - $100k2.194.500.012.705.330.2051
6 Mo CD - $100k2.704.250.012.964.050.4027
9 Mo CD - $100k2.684.490.013.325.331.8663
1 Yr CD - $100k2.724.050.013.024.000.5029
18 Mo CD - $100k2.565.050.012.915.330.5534
2 Yr CD - $100k2.423.930.012.833.870.6041
30 Mo CD - $100k2.293.750.012.933.871.0464
3 Yr CD - $100k2.343.930.012.793.930.6546
4 Yr CD - $100k2.323.930.012.904.021.1458
5 Yr CD - $100k2.313.930.012.864.340.3055
High Rate Checking1.866.000.014.616.003.00275
Basic Checking0.3911.000.010.463.000.017
IRA - 1 Year - $10k2.554.050.013.044.000.1049
IRA - 1 Year - $100k1.553.450.013.164.000.10161
IRA - Liquid - $10k1.643.980.010.824.080.05-82
IRA - Liquid - $100k1.613.980.030.884.080.05-73
High Rate Money Market - $2.5k0.400.500.300.250.250.25-15
Money Market - $2.5k0.913.820.010.682.520.05-23
Money Market - $10k0.973.820.010.742.720.10-23
High Rate Money Market - $10k0.450.800.010.470.740.252
High Rate Money Market - $25k0.661.000.010.520.740.25-14
Money Market - $25k1.063.820.010.932.810.10-14
Money Market - $50k1.183.820.011.092.960.10-9
High Rate Money Market - $50k0.711.050.010.640.890.25-7
High Rate Money Market - $100k1.622.500.011.001.550.50-62
Money Market - $100k1.383.820.011.283.150.10-10
Money Market - $250k1.554.890.011.483.150.10-7
High Rate Money Market - $250k1.812.550.011.432.000.50-38
Money Market - $500k1.143.450.011.613.000.7548
High Rate Money Market - $500k1.832.551.101.851.851.853
High Rate Money Market - $1 million1.832.551.102.052.052.0523
Money Market - $1 million1.163.450.011.633.250.7547
High Rate Savings1.023.000.022.764.001.51174
Regular Savings0.603.000.010.294.080.01-32
New Auto - 24 Mo6.878.595.445.248.993.74-164
New Auto - 36 Mo7.1510.504.745.198.992.99-196
New Auto - 48 Mo7.2010.504.745.298.993.49-191
New Auto - 60 Mo7.2310.754.745.238.203.49-200
New Auto - 72 Mo7.2310.494.745.478.403.49-176
New Auto - 84 Mo7.768.596.665.506.744.24-226
Used Auto - 24 Mo7.058.595.645.358.993.99-170
Used Auto - 36 Mo7.5012.494.995.358.993.49-215
Used Auto - 48 Mo7.5212.494.995.468.993.49-205
Used Auto - 60 Mo7.4912.494.995.388.203.49-212
Used Auto - 72 Mo7.1510.505.005.558.403.49-161
Used Auto - 84 Mo7.758.596.665.556.744.24-221
Used Boat-60 Mo8.699.847.507.8010.194.49-89
New Boat-60 Mo8.2712.993.497.589.994.49-69
Rewards Credit Card16.9123.7412.9913.1317.741.00-378
Credit Card Platinum15.7918.9912.2511.9917.241.00-380
Credit Card Classic17.0624.9911.7513.8428.241.00-322
Home Equity - LOC 80%8.1711.505.756.879.501.00-130
Home Equity - 5 Yr 80%8.0910.616.506.547.991.00-155
Home Equity - 10 Yr 80%8.0910.616.496.888.241.00-121
Home Equity - 15 Yr 80%8.5110.617.107.008.751.00-151
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 Mo6.837.665.997.7813.994.4996
New Motorcycle-60 Mo6.837.665.997.5812.244.4976
Used Motorhome-60 Mo8.699.847.507.7810.193.99-91
New Motorhome-60 Mo8.3512.993.497.459.991.00-90
Unsecured - 36 Mo11.1416.756.7511.0414.996.99-10
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* Represents the difference in the average rate between banks and credit unions.