RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 336,932 financial institution locations in 19,713 markets across the United States as of 4/10/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.343.930.011.945.330.0561
6 Mo CD - $10k1.964.010.012.654.050.1069
9 Mo CD - $10k1.735.150.013.125.330.10139
1 Yr CD - $10k1.814.000.012.624.000.1581
18 Mo CD - $10k1.814.750.012.615.330.2080
2 Yr CD - $10k1.723.970.012.413.870.2569
30 Mo CD - $10k1.053.930.012.663.680.30161
3 Yr CD - $10k1.463.900.012.334.000.3586
4 Yr CD - $10k1.513.850.012.224.000.2571
5 Yr CD - $10k1.493.900.012.384.000.5089
3 Mo CD - $100k1.313.800.011.885.330.0557
6 Mo CD - $100k1.954.010.012.654.050.1069
9 Mo CD - $100k1.675.150.013.135.330.10146
1 Yr CD - $100k1.824.000.012.634.000.1581
18 Mo CD - $100k1.805.050.012.565.330.2076
2 Yr CD - $100k1.753.970.012.433.870.2568
30 Mo CD - $100k1.023.640.012.443.680.30143
3 Yr CD - $100k1.483.900.012.334.000.3585
4 Yr CD - $100k1.513.850.012.244.000.2573
5 Yr CD - $100k1.503.900.012.364.000.5086
High Rate Checking1.524.000.012.565.130.25104
Basic Checking0.092.720.010.091.000.010
IRA - 1 Year - $10k1.913.970.012.574.000.1566
IRA - 1 Year - $100k2.204.000.012.904.000.1569
IRA - Liquid - $10k0.473.350.010.243.000.02-22
IRA - Liquid - $100k0.772.820.010.251.870.05-52
High Rate Money Market - $2.5k2.003.500.50    
Money Market - $2.5k0.312.990.010.412.000.0210
Money Market - $10k0.362.990.010.603.250.0223
High Rate Money Market - $10k0.643.450.010.420.750.02-22
High Rate Money Market - $25k0.973.750.010.921.490.02-5
Money Market - $25k0.492.990.010.773.250.0228
Money Market - $50k0.652.990.010.963.250.0231
High Rate Money Market - $50k1.223.750.011.302.470.028
High Rate Money Market - $100k1.323.750.011.903.200.1058
Money Market - $100k0.823.110.011.223.250.0240
Money Market - $250k0.913.640.011.313.490.0239
High Rate Money Market - $250k1.293.750.012.043.200.1075
Money Market - $500k1.033.200.011.243.500.1021
High Rate Money Market - $500k2.733.501.95    
High Rate Money Market - $1 million2.733.501.95    
Money Market - $1 million1.173.200.011.323.500.1015
High Rate Savings1.684.000.022.776.171.00108
Regular Savings0.193.650.010.133.250.01-6
New Auto - 24 Mo7.2411.004.995.2913.253.74-195
New Auto - 36 Mo7.5412.504.995.3713.253.49-217
New Auto - 48 Mo7.6012.504.995.4513.253.99-214
New Auto - 60 Mo7.6612.501.065.5213.253.99-214
New Auto - 72 Mo7.6811.005.255.787.503.99-190
New Auto - 84 Mo7.9811.005.646.107.744.24-188
Used Auto - 24 Mo7.6911.755.545.3210.593.99-237
Used Auto - 36 Mo8.1013.505.505.4410.593.49-266
Used Auto - 48 Mo8.2313.505.505.5310.594.24-270
Used Auto - 60 Mo8.0613.505.545.5810.594.24-248
Used Auto - 72 Mo7.6410.025.646.0411.494.24-160
Used Auto - 84 Mo7.338.995.646.5912.194.24-75
Used Boat-60 Mo7.749.995.998.4610.995.6372
New Boat-60 Mo9.2812.255.998.0910.245.24-119
Rewards Credit Card17.5023.499.9914.2818.494.90-323
Credit Card Platinum16.7818.499.7413.6717.746.99-312
Credit Card Classic16.5728.2410.2412.9216.757.99-366
Home Equity - LOC 80%6.858.746.246.6718.004.75-19
Home Equity - 5 Yr 80%6.8212.505.756.397.254.75-43
Home Equity - 10 Yr 80%7.0912.505.996.747.634.00-35
Home Equity - 15 Yr 80%7.3312.506.257.097.995.21-25
7 Yr ARM6.0957.0895.0006.1176.8755.0002
3 Yr ARM5.7366.6595.1256.0268.1255.12529
5 Yr ARM5.8977.0004.8755.9436.8344.8755
15 Yr Fixed5.9546.8755.0005.9437.0215.125-1
20 Yr Fixed6.3256.8675.6426.2307.0425.113-9
30 Yr Fixed6.4077.6254.8756.3257.2185.083-8
15 Yr Fixed-Jumbo6.2046.0906.0905.6445.5325.532-56
20 Yr Fixed-Jumbo6.6456.5536.5535.8715.7815.781-77
7 Yr ARM-Jumbo6.3526.2836.2836.1516.0836.083-20
5 Yr ARM-Jumbo6.3756.3066.3066.2556.1916.181-12
30 Yr Fixed-Jumbo6.7846.7136.7136.8117.0666.1073
Used Motorcycle-60 Mo7.067.496.197.1010.994.995
New Motorcycle-60 Mo6.897.495.697.0210.994.4913
Used Motorhome-60 Mo7.659.996.248.5911.245.6394
New Motorhome-60 Mo9.2114.996.248.3811.245.24-83
Student Loan-10 Year6.106.106.105.066.753.24-104
Unsecured - 36 Mo13.2318.006.7411.0614.155.00-217
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* Represents the difference in the average rate between banks and credit unions.