RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 333,740 financial institution locations in 19,713 markets across the United States as of 2/17/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.165.500.012.015.330.0285
6 Mo CD - $10k1.595.100.012.735.000.01114
9 Mo CD - $10k1.236.910.013.085.330.01185
1 Yr CD - $10k1.635.000.012.975.120.01134
18 Mo CD - $10k1.405.500.012.935.330.01153
2 Yr CD - $10k1.474.580.012.864.590.01139
30 Mo CD - $10k1.146.910.012.844.710.05170
3 Yr CD - $10k1.365.500.012.824.600.01146
4 Yr CD - $10k1.335.500.012.834.700.05151
5 Yr CD - $10k1.395.500.012.904.500.01151
3 Mo CD - $100k1.225.500.012.055.330.0284
6 Mo CD - $100k1.635.100.012.765.000.01113
9 Mo CD - $100k1.306.910.013.095.330.01180
1 Yr CD - $100k1.675.000.013.015.150.01133
18 Mo CD - $100k1.455.500.012.965.330.01151
2 Yr CD - $100k1.524.590.012.904.750.01138
30 Mo CD - $100k1.186.910.012.864.700.05169
3 Yr CD - $100k1.405.500.012.864.600.01145
4 Yr CD - $100k1.365.500.012.864.700.05150
5 Yr CD - $100k1.435.500.012.924.550.01149
Youth/Student Checking   0.100.100.10 
High Rate Checking0.677.000.013.027.500.01235
Basic Checking0.1211.000.000.226.000.0111
HSA - $1k0.060.110.010.271.010.0122
HSA - $10k0.681.240.150.472.530.01-21
HSA - $25k0.742.020.240.593.050.01-15
IRA - 1 Year - $10k1.535.000.012.955.000.01142
IRA - 1 Year - $100k1.594.450.013.0510.650.01146
IRA - Liquid - $10k0.405.000.010.665.300.0126
IRA - Liquid - $100k0.704.700.010.715.090.010
High Rate Money Market - $2.5k0.370.750.050.673.500.0130
Money Market - $2.5k0.364.390.010.745.040.0038
Money Market - $10k0.434.390.010.844.150.0141
High Rate Money Market - $10k1.273.970.011.303.770.013
High Rate Money Market - $25k1.423.970.011.643.770.0122
Money Market - $25k0.544.500.010.9920.000.0145
Money Market - $50k0.634.500.011.1520.000.0152
High Rate Money Market - $50k1.513.970.011.844.000.0132
High Rate Money Market - $100k1.673.970.012.174.000.0550
Money Market - $100k0.814.500.011.3820.000.0158
Money Market - $250k0.925.000.011.5220.000.0160
High Rate Money Market - $250k1.813.970.012.364.050.0555
Money Market - $500k0.854.650.011.5320.000.0168
High Rate Money Market - $500k1.313.820.102.204.000.5090
High Rate Money Market - $1 million1.403.950.102.414.000.50101
Money Market - $1 million0.894.650.011.5820.000.0169
Youth/Student Savings   1.175.000.02 
High Rate Savings0.615.000.022.4010.000.01179
Regular Savings0.195.000.010.176.000.00-2
New Auto - 24 Mo6.3211.003.745.0213.251.99-130
New Auto - 36 Mo7.0817.502.655.0813.251.99-200
New Auto - 48 Mo7.1417.502.655.1913.251.99-194
New Auto - 60 Mo7.2117.501.065.3013.251.99-191
New Auto - 72 Mo7.2713.752.655.559.951.99-172
New Auto - 84 Mo6.7711.004.295.8610.951.99-91
Used Auto - 24 Mo6.5211.754.295.2510.591.99-127
Used Auto - 36 Mo7.4518.002.995.2911.001.99-216
Used Auto - 48 Mo7.5318.002.995.4111.001.99-212
Used Auto - 60 Mo7.5018.002.995.5111.001.99-199
Used Auto - 72 Mo7.4513.752.995.7613.001.99-169
Used Auto - 84 Mo6.848.994.296.0812.191.99-76
Used Boat-60 Mo8.6213.185.597.5218.002.50-110
New Boat-60 Mo8.4217.500.507.4018.002.50-102
Rewards Credit Card17.5029.905.9913.5822.151.00-392
Credit Card Platinum16.5428.992.0012.2219.951.00-432
Credit Card Classic15.9733.955.5012.8129.501.00-316
Home Equity - LOC 80%7.7416.000.256.8918.000.25-85
Home Equity - 5 Yr 80%7.5012.504.006.6612.501.00-85
Home Equity - 10 Yr 80%7.6012.502.507.0012.901.00-60
Home Equity - 15 Yr 80%7.6812.992.507.2713.001.00-41
7 Yr ARM6.1106.2906.0165.9216.2825.247-19
3 Yr ARM6.0546.4475.661 
5 Yr ARM6.2836.2836.2835.7946.1914.995-49
15 Yr Fixed5.5045.9165.0515.2265.6254.875-28
20 Yr Fixed5.7286.1505.4065.6245.8805.250-10
30 Yr Fixed6.0616.9685.5835.7476.0095.488-31
15 Yr Fixed-Jumbo5.8065.8065.806 
20 Yr Fixed-Jumbo6.1386.1386.138 
7 Yr ARM-Jumbo5.9935.9935.993 
5 Yr ARM-Jumbo6.1226.1226.122 
30 Yr Fixed-Jumbo6.3176.3176.317 
Used Motorcycle-60 Mo8.0913.185.597.3213.992.00-77
New Motorcycle-60 Mo7.9310.195.597.0512.502.00-87
Used Motorhome-60 Mo8.5011.015.957.4618.002.00-104
New Motorhome-60 Mo8.4418.001.757.3918.001.00-105
Student Loan-10 Year5.855.855.855.186.753.24-67
Unsecured - 36 Mo11.2825.175.0010.6420.002.75-63
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* Represents the difference in the average rate between banks and credit unions.