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 - $10k1.814.000.011.945.330.0513
6 Mo CD - $10k1.704.000.012.414.050.0171
9 Mo CD - $10k2.104.050.012.675.330.0557
1 Yr CD - $10k1.844.000.012.734.250.0589
18 Mo CD - $10k1.714.000.012.775.330.10106
2 Yr CD - $10k1.913.950.012.653.900.1074
30 Mo CD - $10k0.883.810.012.373.850.45149
3 Yr CD - $10k1.463.900.012.663.850.15120
4 Yr CD - $10k1.523.850.012.774.200.20125
5 Yr CD - $10k1.533.900.012.864.140.25134
3 Mo CD - $100k1.854.000.012.095.330.0523
6 Mo CD - $100k1.684.000.012.484.150.0180
9 Mo CD - $100k2.104.050.012.695.330.0559
1 Yr CD - $100k1.834.000.012.814.250.0598
18 Mo CD - $100k1.684.000.012.885.330.10120
2 Yr CD - $100k1.913.950.012.703.900.1079
30 Mo CD - $100k0.903.810.012.503.850.45161
3 Yr CD - $100k1.463.900.012.703.850.15124
4 Yr CD - $100k1.523.850.012.803.930.20128
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 - $10k1.803.910.012.734.250.0194
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 - $10k0.522.860.010.884.000.0136
High Rate Money Market - $10k0.582.960.030.601.250.252
High Rate Money Market - $25k0.932.980.031.553.150.2562
Money Market - $25k0.663.050.011.014.000.0135
Money Market - $50k0.743.050.011.104.000.0136
High Rate Money Market - $50k1.083.080.031.573.200.2549
High Rate Money Market - $100k1.123.080.032.183.251.55106
Money Market - $100k0.833.060.011.163.690.0133
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 Savings0.233.650.010.294.890.016
New Auto - 24 Mo6.168.994.994.835.992.99-134
New Auto - 36 Mo6.658.994.994.935.992.99-172
New Auto - 48 Mo6.768.994.995.046.002.99-173
New Auto - 60 Mo6.858.994.995.156.503.50-170
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 Mo7.168.994.995.356.553.99-181
Used Auto - 60 Mo6.828.994.995.466.553.99-136
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%7.188.905.996.587.500.25-61
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 ARM6.2906.5035.9616.1166.5395.500-17
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 Mo7.497.497.497.4312.994.49-6
New Motorcycle-60 Mo7.497.497.497.0412.394.49-45
Used Motorhome-60 Mo7.188.136.247.8714.494.4969
New Motorhome-60 Mo9.0012.496.747.4113.994.49-159
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.