RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,697 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 - $10k1.824.000.011.945.330.0511
6 Mo CD - $10k1.664.000.012.414.050.0175
9 Mo CD - $10k2.104.050.012.675.330.0557
1 Yr CD - $10k1.834.000.012.724.250.0589
18 Mo CD - $10k1.674.000.012.775.330.10110
2 Yr CD - $10k1.913.950.012.653.900.1075
30 Mo CD - $10k0.883.810.012.373.850.45149
3 Yr CD - $10k1.463.900.012.663.850.15120
4 Yr CD - $10k1.543.850.012.774.200.20123
5 Yr CD - $10k1.503.900.012.864.140.25137
3 Mo CD - $100k1.854.000.012.095.330.0523
6 Mo CD - $100k1.674.000.012.484.150.0181
9 Mo CD - $100k2.154.050.012.695.330.0555
1 Yr CD - $100k1.834.000.012.804.250.0597
18 Mo CD - $100k1.684.000.012.885.330.10121
2 Yr CD - $100k1.913.950.012.703.900.1079
30 Mo CD - $100k0.903.810.012.503.850.45161
3 Yr CD - $100k1.473.900.012.703.850.15123
4 Yr CD - $100k1.503.850.012.803.930.20130
5 Yr CD - $100k1.483.900.012.904.340.25142
High Rate Checking0.020.030.013.415.500.35339
Basic Checking0.121.390.010.305.250.0119
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.763.910.012.734.250.0197
IRA - 1 Year - $100k2.493.700.012.964.000.0147
IRA - Liquid - $10k0.463.630.010.554.080.019
IRA - Liquid - $100k1.703.900.010.704.080.01-100
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.402.660.010.783.500.0138
Money Market - $10k0.502.860.010.884.000.0137
High Rate Money Market - $10k0.582.960.030.601.250.252
High Rate Money Market - $25k0.932.980.031.553.150.2562
Money Market - $25k0.683.050.011.014.000.0134
Money Market - $50k0.713.050.011.104.000.0139
High Rate Money Market - $50k1.083.080.031.573.200.2549
High Rate Money Market - $100k1.123.080.032.183.251.55106
Money Market - $100k0.853.060.011.163.690.0131
Money Market - $250k0.893.250.011.243.690.0135
High Rate Money Market - $250k1.713.080.052.833.501.65112
Money Market - $500k1.184.000.031.102.500.01-8
High Rate Money Market - $500k0.100.100.102.934.001.85283
High Rate Money Market - $1 million0.100.100.103.034.002.05293
Money Market - $1 million1.264.000.031.112.500.01-15
High Rate Savings1.743.650.022.265.000.0552
Regular Savings0.243.650.010.294.890.015
New Auto - 24 Mo6.168.994.994.835.992.99-134
New Auto - 36 Mo6.668.994.994.935.992.99-174
New Auto - 48 Mo6.758.994.995.046.002.99-172
New Auto - 60 Mo6.868.994.995.156.503.50-171
New Auto - 72 Mo6.968.995.245.557.953.99-140
New Auto - 84 Mo7.328.995.645.847.254.49-148
Used Auto - 24 Mo6.608.995.645.156.493.99-146
Used Auto - 36 Mo7.079.254.995.236.553.99-184
Used Auto - 48 Mo7.158.994.995.356.553.99-180
Used Auto - 60 Mo6.868.994.995.466.553.99-141
Used Auto - 72 Mo6.598.245.245.767.803.99-83
Used Auto - 84 Mo7.328.995.646.158.134.49-116
Used Boat-60 Mo5.995.995.998.0914.494.49210
New Boat-60 Mo8.4611.256.247.4713.494.49-99
Rewards Credit Card17.6723.2413.4914.4618.009.00-322
Credit Card Platinum16.7519.4912.9012.8818.008.90-387
Credit Card Classic16.0720.995.9013.4227.748.00-265
Home Equity - LOC 80%7.229.095.996.587.500.25-64
Home Equity - 5 Yr 80%6.869.005.746.278.134.25-59
Home Equity - 10 Yr 80%7.119.256.246.598.384.99-52
Home Equity - 15 Yr 80%7.459.506.507.0410.005.00-41
7 Yr ARM6.2427.0895.6256.3417.6825.34210
3 Yr ARM5.8376.1455.2506.1767.7625.12534
5 Yr ARM5.8656.7505.2506.1817.7133.14232
15 Yr Fixed5.8407.2505.1245.9467.6254.87511
20 Yr Fixed6.4566.6555.7526.2576.7535.429-20
30 Yr Fixed6.3398.0005.3756.3808.1255.5004
15 Yr Fixed-Jumbo6.2386.1246.124 
20 Yr Fixed-Jumbo6.7486.6556.655 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.8116.7406.740 
Used Motorcycle-60 Mo7.497.497.497.4312.994.49-6
New Motorcycle-60 Mo7.497.497.497.0412.394.49-45
Used Motorhome-60 Mo7.188.136.247.8714.494.4969
New Motorhome-60 Mo8.3111.256.747.4113.994.49-90
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.5616.756.4910.0414.996.09-151
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* Represents the difference in the average rate between banks and credit unions.