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 - $10k1.594.200.011.843.600.1025
6 Mo CD - $10k2.224.200.022.483.950.1526
9 Mo CD - $10k2.174.000.023.484.222.85131
1 Yr CD - $10k2.444.050.032.814.000.3037
18 Mo CD - $10k2.243.800.032.603.960.3536
2 Yr CD - $10k2.284.500.032.753.850.4048
30 Mo CD - $10k2.113.800.032.933.500.7582
3 Yr CD - $10k2.253.870.032.813.800.4557
4 Yr CD - $10k2.213.890.032.814.200.5060
5 Yr CD - $10k2.333.920.032.893.750.5556
3 Mo CD - $100k1.604.200.011.903.600.1030
6 Mo CD - $100k2.264.200.022.533.950.1527
9 Mo CD - $100k2.214.000.023.494.222.85127
1 Yr CD - $100k2.484.050.032.844.000.3037
18 Mo CD - $100k2.275.050.032.613.960.3533
2 Yr CD - $100k2.324.500.032.783.900.4045
30 Mo CD - $100k2.133.800.032.953.590.7582
3 Yr CD - $100k2.283.970.032.843.900.4556
4 Yr CD - $100k2.233.990.032.793.900.5056
5 Yr CD - $100k2.364.020.032.904.000.5553
High Rate Checking1.403.500.013.545.000.20214
Basic Checking0.171.730.010.262.020.019
IRA - 1 Year - $10k2.254.060.012.733.930.1049
IRA - 1 Year - $100k2.274.000.042.973.950.1070
IRA - Liquid - $10k1.344.500.010.543.750.01-80
IRA - Liquid - $100k1.202.000.010.240.650.01-96
High Rate Money Market - $2.5k0.530.750.300.250.250.25-28
Money Market - $2.5k0.523.250.010.552.960.053
Money Market - $10k0.603.250.010.541.600.05-5
High Rate Money Market - $10k0.563.200.010.320.740.20-25
High Rate Money Market - $25k0.953.560.011.043.150.208
Money Market - $25k0.703.500.010.731.600.103
Money Market - $50k0.843.500.010.922.030.108
High Rate Money Market - $50k0.983.560.011.753.200.2577
High Rate Money Market - $100k1.463.560.011.943.250.5048
Money Market - $100k1.084.300.011.072.500.10-1
Money Market - $250k1.224.890.011.222.960.201
High Rate Money Market - $250k1.543.560.012.343.350.5080
Money Market - $500k1.253.090.011.373.000.2511
High Rate Money Market - $500k2.703.562.001.851.851.85-85
High Rate Money Market - $1 million2.703.562.002.052.052.05-65
Money Market - $1 million1.273.090.011.393.000.2512
High Rate Savings1.223.500.022.475.001.00125
Regular Savings0.322.710.010.180.600.01-14
New Auto - 24 Mo6.668.595.445.168.993.89-150
New Auto - 36 Mo6.9511.004.755.288.993.89-168
New Auto - 48 Mo7.0411.004.755.418.993.99-162
New Auto - 60 Mo7.1211.004.755.407.753.99-172
New Auto - 72 Mo7.2011.005.005.697.753.99-151
New Auto - 84 Mo7.958.596.665.897.274.89-206
Used Auto - 24 Mo7.1310.035.645.498.994.52-164
Used Auto - 36 Mo7.2511.004.755.418.993.99-184
Used Auto - 48 Mo7.3311.004.755.548.993.99-179
Used Auto - 60 Mo7.3811.004.755.528.494.15-185
Used Auto - 72 Mo7.4611.005.355.938.494.49-152
Used Auto - 84 Mo7.958.596.666.197.274.89-175
Used Boat-60 Mo8.729.847.607.9110.195.89-80
New Boat-60 Mo8.0911.004.757.5710.744.15-52
Rewards Credit Card15.6819.5010.9012.9918.406.75-269
Credit Card Platinum16.1318.749.9011.9317.249.75-420
Credit Card Classic16.6728.249.9612.1015.408.99-457
Home Equity - LOC 80%7.749.545.847.079.505.74-67
Home Equity - 5 Yr 80%7.649.255.506.719.505.99-94
Home Equity - 10 Yr 80%7.829.255.507.199.505.99-64
Home Equity - 15 Yr 80%7.809.175.507.439.005.99-37
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 Mo7.187.666.527.9613.994.9978
New Motorcycle-60 Mo7.177.666.527.3712.244.4920
Used Motorhome-60 Mo8.729.847.607.9410.195.89-78
New Motorhome-60 Mo8.0811.004.757.389.994.15-70
Unsecured - 36 Mo11.4116.006.7412.0936.006.9968
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* Represents the difference in the average rate between banks and credit unions.