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 - $10k1.633.730.012.183.750.2055
6 Mo CD - $10k1.924.000.012.283.800.2536
9 Mo CD - $10k1.724.250.012.304.750.2557
1 Yr CD - $10k1.973.850.012.333.750.3536
18 Mo CD - $10k1.613.630.012.153.350.3554
2 Yr CD - $10k1.503.680.012.433.250.4092
30 Mo CD - $10k0.873.450.012.043.250.40116
3 Yr CD - $10k1.233.350.012.373.300.60113
4 Yr CD - $10k1.183.300.012.443.350.60126
5 Yr CD - $10k1.283.350.012.533.400.75125
3 Mo CD - $100k1.633.730.012.274.000.2065
6 Mo CD - $100k1.924.000.012.303.800.2538
9 Mo CD - $100k1.734.250.012.324.750.2559
1 Yr CD - $100k1.973.850.012.353.750.3538
18 Mo CD - $100k1.715.050.012.173.500.3546
2 Yr CD - $100k1.513.680.012.453.250.4094
30 Mo CD - $100k1.043.600.011.983.250.4094
3 Yr CD - $100k1.233.350.012.393.300.60115
4 Yr CD - $100k1.213.300.012.463.500.60126
5 Yr CD - $100k1.293.350.012.553.500.75126
High Rate Checking1.024.000.011.974.500.0595
Basic Checking0.030.100.010.090.200.016
HSA - $1k   0.200.200.20 
HSA - $10k   0.450.500.40 
HSA - $25k   0.711.010.40 
IRA - 1 Year - $10k1.843.680.012.384.610.3554
IRA - 1 Year - $100k2.354.000.012.424.610.357
IRA - Liquid - $10k0.473.200.010.644.700.0117
IRA - Liquid - $100k0.542.000.010.934.700.0139
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.201.120.010.511.710.0131
Money Market - $10k0.231.150.010.551.710.0532
High Rate Money Market - $10k0.322.960.010.701.000.5538
High Rate Money Market - $25k0.532.960.011.651.981.00112
Money Market - $25k0.311.250.010.741.950.0543
Money Market - $50k0.482.230.010.832.250.1036
High Rate Money Market - $50k0.693.450.011.852.231.11116
High Rate Money Market - $100k0.813.450.012.182.471.61137
Money Market - $100k0.633.040.011.283.130.1065
Money Market - $250k0.713.040.011.493.250.2578
High Rate Money Market - $250k0.843.450.012.322.472.02148
Money Market - $500k0.613.040.011.633.500.25101
High Rate Money Market - $500k0.400.400.402.022.022.02162
High Rate Money Market - $1 million0.400.400.402.022.022.02162
Money Market - $1 million0.663.040.011.673.500.25101
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6010.045.344.845.454.24-276
New Auto - 36 Mo7.619.995.344.875.994.24-274
New Auto - 48 Mo7.629.995.344.925.994.24-271
New Auto - 60 Mo7.769.995.344.986.244.24-277
New Auto - 72 Mo7.8710.025.895.306.494.24-257
New Auto - 84 Mo8.209.995.896.127.244.24-208
Used Auto - 24 Mo7.8510.395.545.016.704.24-284
Used Auto - 36 Mo8.0810.995.545.006.704.24-308
Used Auto - 48 Mo8.0010.995.545.056.704.24-295
Used Auto - 60 Mo8.1110.995.545.126.704.24-300
Used Auto - 72 Mo7.9710.025.895.436.754.24-254
Used Auto - 84 Mo7.858.995.896.187.244.24-167
Used Boat-60 Mo9.4313.185.998.4110.245.50-102
New Boat-60 Mo8.9712.255.998.5410.245.50-43
Rewards Credit Card17.8320.2414.7415.0217.745.75-281
Credit Card Platinum17.0320.2414.7412.4217.994.00-462
Credit Card Classic15.7420.2413.2413.8018.4511.65-195
Home Equity - LOC 80%6.778.970.257.1918.003.7542
Home Equity - 5 Yr 80%7.0910.995.596.8710.105.75-23
Home Equity - 10 Yr 80%7.3810.995.937.3311.005.29-5
Home Equity - 15 Yr 80%7.5810.996.387.6611.006.508
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 Mo10.0413.187.498.1110.995.50-193
New Motorcycle-60 Mo9.019.757.497.9810.995.50-102
Used Motorhome-60 Mo8.679.736.248.3810.245.50-29
New Motorhome-60 Mo8.9512.256.248.5210.245.50-44
Student Loan-10 Year6.106.106.106.006.006.00-10
Unsecured - 36 Mo12.2916.996.9910.9513.498.64-134
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* Represents the difference in the average rate between banks and credit unions.