RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 333,576 financial institution locations in 19,713 markets across the United States as of 2/13/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.243.930.012.145.330.0590
6 Mo CD - $10k1.793.940.012.414.050.1162
9 Mo CD - $10k2.043.870.013.165.330.50111
1 Yr CD - $10k1.823.900.013.014.000.05119
18 Mo CD - $10k1.833.750.013.055.330.60122
2 Yr CD - $10k1.733.750.012.943.800.05121
30 Mo CD - $10k1.593.680.012.913.751.69132
3 Yr CD - $10k1.713.750.012.903.800.05119
4 Yr CD - $10k1.713.750.012.914.200.05120
5 Yr CD - $10k1.823.750.012.993.940.55117
3 Mo CD - $100k1.263.800.012.425.330.05116
6 Mo CD - $100k1.833.940.012.424.050.1158
9 Mo CD - $100k2.053.870.013.185.330.50113
1 Yr CD - $100k1.893.900.013.024.000.05114
18 Mo CD - $100k1.903.750.013.075.330.60117
2 Yr CD - $100k1.743.750.012.973.940.05123
30 Mo CD - $100k1.603.680.012.933.801.69133
3 Yr CD - $100k1.723.750.012.943.820.05122
4 Yr CD - $100k1.703.750.012.923.840.05123
5 Yr CD - $100k1.813.750.013.033.940.55122
High Rate Checking0.040.080.012.706.000.05266
Basic Checking0.101.240.010.215.250.0111
IRA - 1 Year - $10k1.783.900.012.884.750.01109
IRA - 1 Year - $100k2.123.900.013.184.800.01106
IRA - Liquid - $10k0.603.250.010.584.080.01-2
IRA - Liquid - $100k0.882.000.010.834.080.01-5
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.462.620.010.754.000.0129
Money Market - $10k0.522.620.010.833.440.0131
High Rate Money Market - $10k0.423.200.011.042.720.2562
High Rate Money Market - $25k0.593.200.031.063.150.0547
Money Market - $25k0.602.620.011.103.440.0350
Money Market - $50k0.723.000.011.243.440.0552
High Rate Money Market - $50k0.803.200.051.753.200.0595
High Rate Money Market - $100k0.963.200.142.223.450.05126
Money Market - $100k0.983.690.011.423.500.0544
Money Market - $250k1.073.690.011.583.810.0551
High Rate Money Market - $250k0.993.200.142.243.450.05125
Money Market - $500k0.812.290.011.464.000.0566
High Rate Money Market - $500k   2.132.401.85 
High Rate Money Market - $1 million   2.232.402.05 
Money Market - $1 million0.903.000.011.604.000.0571
High Rate Savings1.613.300.023.295.001.76168
Regular Savings0.213.550.010.214.080.010
New Auto - 24 Mo6.238.994.944.856.992.99-138
New Auto - 36 Mo7.5713.273.554.976.992.99-260
New Auto - 48 Mo7.3411.753.555.166.993.99-217
New Auto - 60 Mo7.2411.753.755.317.193.99-192
New Auto - 72 Mo7.0912.503.755.637.994.29-146
New Auto - 84 Mo6.308.994.946.078.494.49-24
Used Auto - 24 Mo6.278.994.945.216.992.99-106
Used Auto - 36 Mo7.8913.773.995.187.402.99-271
Used Auto - 48 Mo7.7612.504.245.397.403.99-237
Used Auto - 60 Mo7.6612.504.395.517.403.99-215
Used Auto - 72 Mo7.098.634.505.797.494.29-130
Used Auto - 84 Mo6.458.994.946.338.494.49-13
Used Boat-60 Mo7.948.057.838.1614.494.4922
New Boat-60 Mo9.0011.506.507.3513.494.49-166
Rewards Credit Card17.1126.749.9913.5218.006.90-360
Credit Card Platinum15.9128.998.9912.4518.005.99-346
Credit Card Classic15.6920.999.7413.2018.008.00-249
Home Equity - LOC 80%7.8011.756.746.929.504.00-88
Home Equity - 5 Yr 80%6.818.495.126.6812.503.75-12
Home Equity - 10 Yr 80%7.478.505.627.0412.905.49-42
Home Equity - 15 Yr 80%7.408.635.877.3213.005.49-8
7 Yr ARM6.5367.6255.6256.1347.1634.875-40
3 Yr ARM6.6506.7906.2506.4338.1254.375-22
5 Yr ARM6.6859.0005.6256.0417.1514.625-64
15 Yr Fixed6.2439.2504.9905.8057.6303.000-44
20 Yr Fixed6.0136.2555.5476.1606.5965.45215
30 Yr Fixed6.6027.3255.5006.1967.0005.526-41
15 Yr Fixed-Jumbo5.9355.8235.823 
20 Yr Fixed-Jumbo6.2446.1546.154 
7 Yr ARM-Jumbo6.1266.0586.058 
5 Yr ARM-Jumbo6.2066.1386.138 
30 Yr Fixed-Jumbo6.4286.3596.359 
Used Motorcycle-60 Mo   7.7412.994.49 
New Motorcycle-60 Mo   7.4112.394.49 
Used Motorhome-60 Mo7.467.837.088.0414.494.4959
New Motorhome-60 Mo9.0111.506.507.2613.994.49-175
Unsecured - 36 Mo12.3017.276.749.9718.006.74-233
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* Represents the difference in the average rate between banks and credit unions.