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 - $10k1.514.000.011.865.330.0535
6 Mo CD - $10k1.815.100.012.444.790.0563
9 Mo CD - $10k1.735.200.013.045.330.10131
1 Yr CD - $10k1.744.750.012.614.300.1088
18 Mo CD - $10k1.444.000.012.835.330.10138
2 Yr CD - $10k1.574.000.012.583.990.10100
30 Mo CD - $10k1.153.940.012.433.900.20128
3 Yr CD - $10k1.464.000.012.543.870.10108
4 Yr CD - $10k1.404.000.012.494.200.10109
5 Yr CD - $10k1.534.000.012.604.000.10107
3 Mo CD - $100k1.534.000.011.955.330.0541
6 Mo CD - $100k1.785.100.012.534.750.0575
9 Mo CD - $100k1.635.000.013.065.330.10143
1 Yr CD - $100k1.754.750.012.724.240.1097
18 Mo CD - $100k1.464.000.012.815.330.15135
2 Yr CD - $100k1.614.000.012.683.930.10106
30 Mo CD - $100k1.213.940.012.453.860.20124
3 Yr CD - $100k1.494.000.012.613.870.20112
4 Yr CD - $100k1.404.000.012.493.870.20109
5 Yr CD - $100k1.534.000.012.604.000.20107
Youth/Student Checking   0.100.100.10 
High Rate Checking1.174.000.013.007.000.15183
Basic Checking0.131.980.000.435.250.0129
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.523.940.012.634.320.10111
IRA - 1 Year - $100k2.013.900.012.574.320.1056
IRA - Liquid - $10k0.544.000.010.524.080.01-2
IRA - Liquid - $100k0.823.500.010.704.080.01-12
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.473.920.010.542.780.017
Money Market - $10k0.533.920.010.622.780.019
High Rate Money Market - $10k0.523.000.021.413.300.1589
High Rate Money Market - $25k0.733.100.021.843.300.20111
Money Market - $25k0.723.920.010.722.780.01-1
Money Market - $50k0.803.920.010.812.780.011
High Rate Money Market - $50k0.783.100.021.843.300.20106
High Rate Money Market - $100k0.843.100.021.903.300.20106
Money Market - $100k0.933.920.010.922.780.010
Money Market - $250k1.013.920.011.003.000.01-1
High Rate Money Market - $250k0.893.100.052.123.500.20123
Money Market - $500k1.194.650.011.023.300.01-18
High Rate Money Market - $500k1.723.000.102.204.000.7548
High Rate Money Market - $1 million1.793.250.103.034.002.05124
Money Market - $1 million1.164.650.011.083.300.01-8
Youth/Student Savings   5.005.005.00 
High Rate Savings1.893.650.022.065.000.0517
Regular Savings0.334.100.010.204.080.01-13
New Auto - 24 Mo6.508.994.704.877.592.99-163
New Auto - 36 Mo6.929.393.994.838.492.99-209
New Auto - 48 Mo6.999.393.994.978.492.99-202
New Auto - 60 Mo7.069.624.245.108.993.49-195
New Auto - 72 Mo7.3310.025.245.418.992.90-193
New Auto - 84 Mo7.309.995.645.897.593.70-141
Used Auto - 24 Mo6.868.995.225.207.593.49-167
Used Auto - 36 Mo7.299.395.145.159.003.49-214
Used Auto - 48 Mo7.409.755.145.289.003.49-211
Used Auto - 60 Mo7.389.625.145.419.003.69-197
Used Auto - 72 Mo7.4910.025.675.699.503.70-180
Used Auto - 84 Mo7.228.995.646.137.593.70-109
Used Boat-60 Mo8.169.995.997.3211.504.49-84
New Boat-60 Mo8.6013.495.007.0711.494.40-153
Rewards Credit Card18.1823.499.2513.1318.497.50-504
Credit Card Platinum17.0228.992.0012.2818.002.00-474
Credit Card Classic16.8828.245.9012.0328.244.99-485
Home Equity - LOC 80%7.209.275.006.8516.951.99-35
Home Equity - 5 Yr 80%6.9010.375.996.3411.004.00-56
Home Equity - 10 Yr 80%7.1510.365.996.6411.004.75-50
Home Equity - 15 Yr 80%7.3210.395.996.8711.253.75-45
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 Mo7.709.006.196.8710.054.49-84
New Motorcycle-60 Mo7.299.005.696.549.144.49-74
Used Motorhome-60 Mo8.4410.256.247.4110.744.49-103
New Motorhome-60 Mo8.5613.495.007.1311.744.40-143
Student Loan-10 Year6.106.106.10    
Unsecured - 36 Mo11.1218.256.749.4118.002.75-171
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* Represents the difference in the average rate between banks and credit unions.