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 - $10k0.953.540.011.353.500.0239
6 Mo CD - $10k1.633.750.012.593.750.7096
9 Mo CD - $10k0.973.600.013.264.751.29229
1 Yr CD - $10k1.503.600.012.834.000.75133
18 Mo CD - $10k1.204.750.012.673.690.75147
2 Yr CD - $10k1.243.550.012.623.691.00138
30 Mo CD - $10k0.893.350.012.883.871.00198
3 Yr CD - $10k0.973.000.012.653.461.00168
4 Yr CD - $10k1.033.000.012.663.401.00163
5 Yr CD - $10k0.983.000.012.733.701.00175
3 Mo CD - $100k0.843.540.011.423.500.0259
6 Mo CD - $100k1.653.750.012.643.751.0099
9 Mo CD - $100k1.113.780.013.334.751.39222
1 Yr CD - $100k1.523.600.012.874.001.05135
18 Mo CD - $100k1.235.050.012.693.690.75147
2 Yr CD - $100k1.313.750.012.673.691.00136
30 Mo CD - $100k0.863.350.012.913.871.00206
3 Yr CD - $100k0.993.000.012.723.461.00173
4 Yr CD - $100k0.993.000.012.703.401.00171
5 Yr CD - $100k0.993.000.012.783.401.00179
High Rate Checking0.050.100.013.587.001.00354
Basic Checking0.080.550.000.223.500.0114
HSA - $1k   0.050.050.05 
HSA - $10k   0.250.250.25 
HSA - $25k   0.250.250.25 
IRA - 1 Year - $10k1.253.250.012.844.001.50160
IRA - 1 Year - $100k1.273.000.012.843.751.90157
IRA - Liquid - $10k0.293.000.010.664.080.0236
IRA - Liquid - $100k0.352.000.010.664.080.0532
High Rate Money Market - $2.5k0.481.250.050.200.200.20-28
Money Market - $2.5k0.382.290.010.462.000.028
Money Market - $10k0.422.750.010.592.000.0317
High Rate Money Market - $10k0.631.750.040.661.500.203
High Rate Money Market - $25k0.671.750.060.741.800.206
Money Market - $25k0.522.800.010.712.500.0519
Money Market - $50k0.602.850.010.842.500.0624
High Rate Money Market - $50k0.701.750.100.741.800.204
High Rate Money Market - $100k0.781.750.201.061.800.5029
Money Market - $100k0.792.900.011.112.960.0732
Money Market - $250k0.903.000.011.203.350.0730
High Rate Money Market - $250k0.912.550.201.242.130.5032
Money Market - $500k0.852.600.051.193.350.0735
High Rate Money Market - $500k1.802.650.751.382.130.50-42
High Rate Money Market - $1 million1.932.801.002.043.250.5011
Money Market - $1 million0.862.600.051.293.350.0743
Youth/Student Savings   0.665.000.02 
High Rate Savings0.763.200.023.395.000.06263
Regular Savings0.101.000.010.144.080.014
New Auto - 24 Mo6.588.595.445.5613.253.99-102
New Auto - 36 Mo6.759.564.495.246.243.15-151
New Auto - 48 Mo6.799.564.495.256.243.15-154
New Auto - 60 Mo6.839.564.495.276.243.15-155
New Auto - 72 Mo6.919.564.495.426.503.15-149
New Auto - 84 Mo7.078.595.645.696.504.24-138
Used Auto - 24 Mo6.708.785.645.6210.593.99-108
Used Auto - 36 Mo6.839.564.495.416.253.99-143
Used Auto - 48 Mo6.939.564.495.446.293.99-149
Used Auto - 60 Mo6.999.564.495.537.743.99-146
Used Auto - 72 Mo7.109.564.495.637.193.99-148
Used Auto - 84 Mo7.028.785.646.1312.194.49-89
Used Boat-60 Mo8.3711.015.998.0312.004.49-33
New Boat-60 Mo8.4611.525.757.8016.754.49-66
Rewards Credit Card16.8720.498.7513.1618.498.75-370
Credit Card Platinum16.6521.2411.2511.8517.507.99-480
Credit Card Classic15.1820.498.7512.0916.007.99-310
Home Equity - LOC 80%7.919.746.757.028.755.50-89
Home Equity - 5 Yr 80%7.839.874.006.829.505.00-101
Home Equity - 10 Yr 80%8.029.864.757.019.505.65-101
Home Equity - 15 Yr 80%8.3510.085.507.119.505.65-125
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 Mo9.1210.757.498.1112.004.49-101
New Motorcycle-60 Mo9.1210.757.498.1016.754.49-102
Used Motorhome-60 Mo8.6811.016.247.9312.004.49-74
New Motorhome-60 Mo8.5411.525.757.7316.754.49-81
Unsecured - 36 Mo11.0413.966.7411.9514.508.4991
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* Represents the difference in the average rate between banks and credit unions.