RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,697 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 - $10k1.303.160.052.074.030.2078
6 Mo CD - $10k1.833.950.033.363.930.25153
9 Mo CD - $10k1.516.910.033.264.000.25175
1 Yr CD - $10k1.803.850.033.474.000.35167
18 Mo CD - $10k1.163.680.033.313.880.35215
2 Yr CD - $10k1.423.630.033.333.850.40190
30 Mo CD - $10k1.146.910.032.663.590.40152
3 Yr CD - $10k1.133.830.033.193.800.60206
4 Yr CD - $10k1.183.490.033.184.200.60201
5 Yr CD - $10k1.133.510.033.183.800.75205
3 Mo CD - $100k1.303.160.052.084.030.2078
6 Mo CD - $100k1.833.950.033.374.030.25154
9 Mo CD - $100k1.516.910.033.294.000.25178
1 Yr CD - $100k1.813.850.033.484.000.35166
18 Mo CD - $100k1.305.050.033.323.880.35202
2 Yr CD - $100k1.423.630.033.333.850.40191
30 Mo CD - $100k1.196.910.032.673.590.40148
3 Yr CD - $100k1.143.830.033.203.800.60206
4 Yr CD - $100k1.203.490.033.183.850.60198
5 Yr CD - $100k1.133.510.033.193.850.75207
High Rate Checking0.020.030.013.415.250.50339
Basic Checking0.050.350.010.263.040.0121
IRA - 1 Year - $10k1.913.780.033.494.610.35159
IRA - 1 Year - $100k2.353.250.203.384.610.35103
IRA - Liquid - $10k0.362.380.010.894.700.0553
IRA - Liquid - $100k0.762.380.010.984.700.0522
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.191.470.011.163.600.0197
Money Market - $10k0.231.860.011.362.720.05113
High Rate Money Market - $10k0.281.750.010.250.250.25-3
High Rate Money Market - $25k0.461.750.050.250.250.25-21
Money Market - $25k0.371.860.011.542.720.10117
Money Market - $50k0.522.100.011.752.720.10123
High Rate Money Market - $50k0.692.000.050.681.100.25-1
High Rate Money Market - $100k0.983.000.101.451.551.3547
Money Market - $100k0.753.040.052.012.750.10126
Money Market - $250k0.813.040.052.273.040.75146
High Rate Money Market - $250k0.983.000.101.501.651.3552
Money Market - $500k0.873.040.052.313.901.00145
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million1.003.040.052.363.901.00136
High Rate Savings1.152.250.043.625.252.60247
Regular Savings0.132.750.010.100.350.01-3
New Auto - 24 Mo7.2310.045.344.567.493.89-267
New Auto - 36 Mo7.589.755.004.817.493.55-277
New Auto - 48 Mo7.549.755.004.947.993.95-260
New Auto - 60 Mo7.729.755.005.077.993.99-266
New Auto - 72 Mo8.0110.025.005.448.494.24-258
New Auto - 84 Mo7.749.995.896.028.494.24-172
Used Auto - 24 Mo7.3810.395.544.687.493.99-270
Used Auto - 36 Mo8.1612.505.004.887.493.55-328
Used Auto - 48 Mo8.0612.505.005.017.993.95-305
Used Auto - 60 Mo8.2712.505.005.147.993.99-313
Used Auto - 72 Mo8.1312.505.005.518.494.24-262
Used Auto - 84 Mo7.148.995.896.348.494.24-80
Used Boat-60 Mo9.4913.185.998.1518.005.49-135
New Boat-60 Mo8.6212.255.996.6118.004.50-200
Rewards Credit Card17.4720.4915.0013.3517.756.99-412
Credit Card Platinum16.6318.499.7411.6417.246.90-499
Credit Card Classic14.6520.4911.5011.6615.508.90-300
Home Equity - LOC 80%7.299.256.506.9618.005.50-33
Home Equity - 5 Yr 80%7.339.875.756.097.344.75-124
Home Equity - 10 Yr 80%7.589.866.506.387.885.25-120
Home Equity - 15 Yr 80%7.599.896.636.728.255.50-87
7 Yr ARM6.6837.4406.3316.3366.6575.625-35
3 Yr ARM6.5897.6556.1256.1576.6385.250-43
5 Yr ARM6.3827.4465.7506.2986.6215.375-8
15 Yr Fixed6.2526.8755.3756.2607.0005.3751
20 Yr Fixed6.6937.0385.9946.8867.0426.54619
30 Yr Fixed6.6077.7505.8756.8108.0005.87520
15 Yr Fixed-Jumbo6.2626.1716.124 
20 Yr Fixed-Jumbo6.5006.6556.162 
7 Yr ARM-Jumbo6.3556.2866.286 
5 Yr ARM-Jumbo6.3736.3046.304 
30 Yr Fixed-Jumbo6.6416.7406.401 
Used Motorcycle-60 Mo10.1913.187.497.1810.994.75-301
New Motorcycle-60 Mo8.909.907.496.9210.994.25-199
Used Motorhome-60 Mo8.239.906.247.9818.005.49-25
New Motorhome-60 Mo8.5112.256.246.4618.004.50-205
Unsecured - 36 Mo13.1118.256.9910.4115.746.99-271
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* Represents the difference in the average rate between banks and credit unions.