RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,849 financial institution locations in 19,713 markets across the United States as of 4/9/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.123.930.032.062.750.2594
6 Mo CD - $10k2.084.000.152.503.650.3542
9 Mo CD - $10k1.234.050.033.374.752.50214
1 Yr CD - $10k1.914.000.052.543.690.4063
18 Mo CD - $10k1.224.000.052.233.450.45101
2 Yr CD - $10k1.553.950.032.473.450.5092
30 Mo CD - $10k0.531.500.032.684.580.55214
3 Yr CD - $10k1.323.900.032.513.501.00119
4 Yr CD - $10k1.513.850.032.543.501.26102
5 Yr CD - $10k1.473.900.032.573.501.40110
3 Mo CD - $100k1.133.930.032.122.750.2599
6 Mo CD - $100k2.094.000.152.473.650.3538
9 Mo CD - $100k1.244.050.033.374.752.50213
1 Yr CD - $100k1.924.000.052.523.690.4060
18 Mo CD - $100k1.234.000.052.233.450.45100
2 Yr CD - $100k1.563.950.032.423.450.5086
30 Mo CD - $100k0.753.600.032.402.800.55165
3 Yr CD - $100k1.333.900.032.473.501.00114
4 Yr CD - $100k1.533.850.032.483.501.2695
5 Yr CD - $100k1.483.900.032.523.501.40104
High Rate Checking0.100.100.100.711.260.1561
Basic Checking0.121.450.010.562.000.0544
HSA - $1k   0.200.200.20 
HSA - $10k   0.400.400.40 
HSA - $25k   0.400.400.40 
IRA - 1 Year - $10k1.763.500.052.563.500.5080
IRA - 1 Year - $100k2.303.500.592.593.500.5029
IRA - Liquid - $10k0.431.510.010.591.900.1015
IRA - Liquid - $100k0.721.500.080.290.700.10-43
Money Market - $2.5k0.201.000.011.184.000.2598
Money Market - $10k0.321.490.011.081.500.3075
High Rate Money Market - $10k0.461.750.01    
High Rate Money Market - $25k0.471.750.03    
Money Market - $25k0.501.980.011.201.550.3269
Money Market - $50k0.732.230.011.622.250.3288
High Rate Money Market - $50k0.481.750.03    
High Rate Money Market - $100k0.501.750.03    
Money Market - $100k0.862.280.011.942.500.32108
Money Market - $250k0.982.950.011.842.500.3286
High Rate Money Market - $250k0.511.750.05    
Money Market - $500k0.963.200.011.822.750.3287
Money Market - $1 million1.013.200.011.822.750.3281
High Rate Savings3.433.653.202.154.000.30-128
Regular Savings0.211.980.010.190.300.01-3
New Auto - 24 Mo6.758.994.995.135.744.83-162
New Auto - 36 Mo7.069.264.995.215.742.99-186
New Auto - 48 Mo7.139.264.995.335.742.99-179
New Auto - 60 Mo7.249.625.255.515.992.99-173
New Auto - 72 Mo7.3710.025.256.036.994.99-134
New Auto - 84 Mo7.389.995.896.326.995.74-106
Used Auto - 24 Mo7.028.995.895.276.704.83-175
Used Auto - 36 Mo7.519.505.895.426.704.99-209
Used Auto - 48 Mo7.549.505.895.556.704.99-199
Used Auto - 60 Mo7.5810.005.895.716.704.99-187
Used Auto - 72 Mo7.3210.025.896.166.995.50-116
Used Auto - 84 Mo7.458.995.896.326.995.74-113
Used Boat-60 Mo7.749.995.996.327.505.50-142
New Boat-60 Mo8.069.995.996.427.505.18-165
Rewards Credit Card17.9323.4914.4910.2713.705.75-765
Credit Card Platinum16.5418.4913.749.5912.404.00-694
Credit Card Classic14.9920.495.5011.5516.007.99-344
Home Equity - LOC 80%6.708.250.255.069.500.75-164
Home Equity - 5 Yr 80%7.119.105.596.277.255.70-85
Home Equity - 10 Yr 80%7.399.095.937.3711.006.69-2
Home Equity - 15 Yr 80%7.659.126.387.7911.006.9414
7 Yr ARM6.6997.6565.8756.5956.5216.409-10
3 Yr ARM6.7537.6036.1455.5006.2844.646-125
5 Yr ARM6.3077.6235.2505.9706.6925.151-34
15 Yr Fixed6.0737.1255.2506.0536.0625.515-2
20 Yr Fixed6.2016.2275.8676.4576.4255.89226
30 Yr Fixed6.4767.1255.8756.4466.7506.162-3
Used Motorcycle-60 Mo7.087.496.196.177.505.50-92
New Motorcycle-60 Mo7.179.325.696.177.505.50-100
Used Motorhome-60 Mo7.979.996.246.327.505.50-165
New Motorhome-60 Mo7.929.996.246.427.505.18-150
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.7116.006.9910.3910.949.50-132
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* Represents the difference in the average rate between banks and credit unions.