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 - $10k1.363.930.011.945.330.0559
6 Mo CD - $10k1.964.010.012.664.050.1070
9 Mo CD - $10k1.725.150.013.115.330.10139
1 Yr CD - $10k1.834.000.012.624.000.1579
18 Mo CD - $10k1.814.750.012.605.330.2080
2 Yr CD - $10k1.743.970.012.413.870.2567
30 Mo CD - $10k1.073.930.012.663.680.30159
3 Yr CD - $10k1.483.900.012.334.000.3586
4 Yr CD - $10k1.523.850.012.204.000.2568
5 Yr CD - $10k1.493.900.012.354.000.5086
3 Mo CD - $100k1.333.800.011.885.330.0555
6 Mo CD - $100k1.974.010.012.664.050.1069
9 Mo CD - $100k1.665.150.013.125.330.10146
1 Yr CD - $100k1.834.000.012.624.000.1580
18 Mo CD - $100k1.825.050.012.565.330.2074
2 Yr CD - $100k1.773.970.012.443.870.2567
30 Mo CD - $100k1.043.640.012.443.680.30140
3 Yr CD - $100k1.493.900.012.344.000.3585
4 Yr CD - $100k1.513.850.012.224.000.2571
5 Yr CD - $100k1.513.900.012.344.000.5083
High Rate Checking1.524.000.012.565.130.25104
Basic Checking0.092.720.010.091.000.010
IRA - 1 Year - $10k1.903.970.012.574.000.1567
IRA - 1 Year - $100k2.204.000.012.894.000.1568
IRA - Liquid - $10k0.463.350.010.243.000.02-22
IRA - Liquid - $100k0.772.820.010.251.870.05-52
High Rate Money Market - $2.5k2.003.500.50    
Money Market - $2.5k0.312.990.010.412.000.0211
Money Market - $10k0.362.990.010.623.250.0225
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 - $25k0.492.990.010.793.250.0230
Money Market - $50k0.652.990.010.983.250.0234
High Rate Money Market - $50k1.223.750.011.302.470.028
High Rate Money Market - $100k1.323.750.011.963.450.1064
Money Market - $100k0.823.110.011.263.250.0243
Money Market - $250k0.913.640.011.343.490.0242
High Rate Money Market - $250k1.293.750.012.093.450.1080
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 Mo7.2411.004.995.2813.253.74-196
New Auto - 36 Mo7.5412.504.995.3713.253.49-217
New Auto - 48 Mo7.6012.504.995.3713.253.99-223
New Auto - 60 Mo7.6612.501.065.4313.253.99-223
New Auto - 72 Mo7.6811.005.255.777.503.99-191
New Auto - 84 Mo7.9811.005.646.147.744.24-185
Used Auto - 24 Mo7.6911.755.545.3310.593.99-236
Used Auto - 36 Mo8.1013.505.505.3910.593.49-271
Used Auto - 48 Mo8.2313.505.505.5310.594.24-270
Used Auto - 60 Mo8.0613.505.545.5310.594.24-253
Used Auto - 72 Mo7.6410.025.645.9911.494.24-165
Used Auto - 84 Mo7.338.995.646.6212.194.24-72
Used Boat-60 Mo7.749.995.998.4610.995.6372
New Boat-60 Mo9.2812.255.998.1110.245.24-116
Rewards Credit Card17.6823.499.9914.3218.494.90-336
Credit Card Platinum16.8218.499.7413.6917.746.99-313
Credit Card Classic16.5728.2410.2412.8016.757.99-377
Home Equity - LOC 80%6.858.746.246.6718.004.75-19
Home Equity - 5 Yr 80%6.8912.505.756.397.254.75-50
Home Equity - 10 Yr 80%7.1712.505.996.757.634.00-42
Home Equity - 15 Yr 80%7.3312.506.257.097.995.21-24
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 Mo7.067.496.197.1010.994.995
New Motorcycle-60 Mo6.897.495.697.0210.994.4913
Used Motorhome-60 Mo7.659.996.248.5911.245.6394
New Motorhome-60 Mo9.2114.996.248.4011.245.24-81
Student Loan-10 Year6.106.106.105.066.753.24-104
Unsecured - 36 Mo13.2318.006.7411.0814.155.00-215
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* Represents the difference in the average rate between banks and credit unions.