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 - $10k0.954.100.011.583.650.0563
6 Mo CD - $10k1.514.100.012.704.150.05119
9 Mo CD - $10k1.934.100.013.013.751.44108
1 Yr CD - $10k1.754.100.012.914.220.10117
18 Mo CD - $10k1.574.000.012.843.700.20127
2 Yr CD - $10k1.634.100.012.814.070.20117
30 Mo CD - $10k1.514.100.012.894.500.90138
3 Yr CD - $10k1.554.100.012.803.700.30125
4 Yr CD - $10k1.614.000.012.974.200.30136
5 Yr CD - $10k1.624.000.013.113.800.80149
3 Mo CD - $100k0.974.100.011.583.650.0561
6 Mo CD - $100k1.524.100.012.714.150.05119
9 Mo CD - $100k1.954.100.013.033.751.44108
1 Yr CD - $100k1.744.100.012.934.220.10119
18 Mo CD - $100k1.604.000.012.843.700.20124
2 Yr CD - $100k1.674.100.012.814.070.20115
30 Mo CD - $100k1.494.100.013.094.501.50160
3 Yr CD - $100k1.584.100.012.813.700.30123
4 Yr CD - $100k1.634.000.012.963.800.30133
5 Yr CD - $100k1.644.000.013.133.800.80149
High Rate Checking0.060.150.013.526.002.25345
Basic Checking0.143.000.010.151.000.011
IRA - 1 Year - $10k1.634.180.012.934.220.10130
IRA - 1 Year - $100k2.133.510.013.104.102.0097
IRA - Liquid - $10k0.443.250.010.442.300.010
IRA - Liquid - $100k1.252.000.500.280.750.01-97
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.363.450.010.973.150.0561
Money Market - $10k0.453.600.010.993.150.0554
High Rate Money Market - $10k1.413.750.250.712.000.25-70
High Rate Money Market - $25k1.683.750.351.353.150.25-33
Money Market - $25k0.573.600.011.123.150.1055
Money Market - $50k0.653.600.011.253.150.1560
High Rate Money Market - $50k1.753.750.501.473.200.25-28
High Rate Money Market - $100k1.873.750.751.743.250.70-13
Money Market - $100k0.853.690.011.443.400.1559
Money Market - $250k0.914.000.011.663.400.1575
High Rate Money Market - $250k1.873.750.751.953.350.808
Money Market - $500k0.331.000.011.363.000.25103
High Rate Money Market - $500k0.750.750.751.431.850.8068
High Rate Money Market - $1 million0.750.750.751.502.050.8075
Money Market - $1 million0.331.000.011.433.000.25110
High Rate Savings0.521.500.023.503.503.50298
Regular Savings0.171.150.010.244.890.017
New Auto - 24 Mo6.4910.174.944.875.953.49-162
New Auto - 36 Mo7.1810.595.005.096.743.49-209
New Auto - 48 Mo7.2410.595.005.166.743.49-209
New Auto - 60 Mo7.3010.595.135.347.003.49-195
New Auto - 72 Mo7.4010.595.135.677.953.49-173
New Auto - 84 Mo6.197.244.945.677.193.49-52
Used Auto - 24 Mo6.7110.624.945.156.253.49-156
Used Auto - 36 Mo7.5211.505.005.297.503.49-224
Used Auto - 48 Mo7.5611.505.005.377.503.49-219
Used Auto - 60 Mo7.6011.505.385.567.503.49-204
Used Auto - 72 Mo7.5210.595.495.857.953.49-168
Used Auto - 84 Mo6.067.244.946.017.753.49-4
Used Boat-60 Mo8.229.946.497.7011.503.69-51
New Boat-60 Mo8.6212.255.497.4110.593.69-121
Rewards Credit Card17.0918.999.9912.8718.008.90-422
Credit Card Platinum15.7518.499.7410.9617.996.90-479
Credit Card Classic15.6629.249.7412.9218.007.99-274
Home Equity - LOC 80%7.4111.756.497.6718.004.9926
Home Equity - 5 Yr 80%7.779.145.386.789.244.25-100
Home Equity - 10 Yr 80%8.1510.756.506.9710.244.25-119
Home Equity - 15 Yr 80%8.019.006.507.269.004.25-75
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 Mo10.1910.1910.197.4310.053.69-276
New Motorcycle-60 Mo10.1910.1910.197.138.993.69-306
Used Motorhome-60 Mo8.229.946.497.6710.503.69-55
New Motorhome-60 Mo8.5712.255.497.3910.593.69-118
Unsecured - 36 Mo11.0917.007.7510.6613.747.99-43
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* Represents the difference in the average rate between banks and credit unions.