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 - $10k1.073.580.011.865.330.0279
6 Mo CD - $10k1.703.870.012.794.050.15109
9 Mo CD - $10k1.713.870.012.985.331.23127
1 Yr CD - $10k1.803.870.013.034.550.20123
18 Mo CD - $10k1.563.730.013.005.330.05144
2 Yr CD - $10k1.723.680.012.974.500.45125
30 Mo CD - $10k1.283.680.012.514.000.25123
3 Yr CD - $10k1.583.680.012.994.300.55140
4 Yr CD - $10k1.453.680.012.974.200.80153
5 Yr CD - $10k1.603.680.012.994.010.83139
3 Mo CD - $100k1.293.580.012.315.330.02103
6 Mo CD - $100k1.793.870.012.814.050.15102
9 Mo CD - $100k1.823.870.012.995.331.23117
1 Yr CD - $100k1.893.870.013.055.150.20117
18 Mo CD - $100k1.653.730.013.095.331.13144
2 Yr CD - $100k1.843.680.012.994.550.45115
30 Mo CD - $100k1.363.680.012.423.490.25107
3 Yr CD - $100k1.653.680.013.004.350.55135
4 Yr CD - $100k1.473.680.012.933.860.80146
5 Yr CD - $100k1.693.680.012.984.010.83130
High Rate Checking0.020.030.012.886.000.35286
Basic Checking0.080.470.010.345.250.0126
IRA - 1 Year - $10k1.853.870.012.984.000.20112
IRA - 1 Year - $100k1.693.510.012.794.000.20110
IRA - Liquid - $10k0.181.660.010.463.760.0128
IRA - Liquid - $100k0.692.000.010.473.250.01-22
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.482.290.010.612.020.0314
Money Market - $10k0.542.290.010.682.120.0314
High Rate Money Market - $10k   0.410.850.13 
High Rate Money Market - $25k   0.470.900.25 
Money Market - $25k0.562.290.010.782.120.0522
Money Market - $50k0.602.290.010.882.120.0528
High Rate Money Market - $50k   0.480.950.25 
High Rate Money Market - $100k   1.001.550.25 
Money Market - $100k0.672.290.010.982.720.0530
Money Market - $250k0.722.290.011.053.690.0533
High Rate Money Market - $250k   1.031.650.25 
Money Market - $500k0.632.290.010.942.020.0531
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million0.632.290.010.942.020.0531
Youth/Student Savings   3.003.003.00 
High Rate Savings0.693.200.021.743.250.05105
Regular Savings0.343.200.010.121.870.01-22
New Auto - 24 Mo6.058.994.944.396.492.75-166
New Auto - 36 Mo6.378.995.244.536.492.75-183
New Auto - 48 Mo6.458.995.244.826.493.00-163
New Auto - 60 Mo6.518.995.345.026.993.25-149
New Auto - 72 Mo6.498.995.745.457.494.25-104
New Auto - 84 Mo6.528.994.946.028.495.00-50
Used Auto - 24 Mo6.488.994.944.766.993.49-173
Used Auto - 36 Mo6.648.995.244.876.993.49-177
Used Auto - 48 Mo6.708.995.245.146.993.74-155
Used Auto - 60 Mo6.598.995.545.316.993.75-128
Used Auto - 72 Mo6.537.595.745.747.494.50-79
Used Auto - 84 Mo6.528.994.946.238.495.00-29
Used Boat-60 Mo6.246.495.998.1314.494.99189
New Boat-60 Mo9.6211.506.647.4013.494.49-221
Rewards Credit Card17.6020.2414.7513.4518.008.99-415
Credit Card Platinum16.4920.249.7413.0618.007.99-343
Credit Card Classic17.0920.9912.4912.5117.996.99-458
Home Equity - LOC 80%7.849.376.756.748.504.00-110
Home Equity - 5 Yr 80%7.748.297.196.2912.501.00-145
Home Equity - 10 Yr 80%7.798.507.296.9712.505.25-82
Home Equity - 15 Yr 80%7.908.637.397.2412.505.49-66
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 Mo7.497.497.498.5312.995.25104
New Motorcycle-60 Mo7.497.497.497.8912.394.7540
Used Motorhome-60 Mo6.376.496.248.2814.495.25191
New Motorhome-60 Mo9.4311.506.897.3713.994.65-206
Unsecured - 36 Mo10.4213.896.748.9212.006.09-150
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* Represents the difference in the average rate between banks and credit unions.