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 2/12/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.042.230.011.925.330.5088
6 Mo CD - $10k1.302.960.012.494.050.45119
9 Mo CD - $10k1.282.960.015.335.335.33405
1 Yr CD - $10k1.361.980.012.944.001.30158
18 Mo CD - $10k1.492.470.013.525.332.00204
2 Yr CD - $10k1.672.960.012.743.501.35107
30 Mo CD - $10k1.271.850.012.993.092.89172
3 Yr CD - $10k1.863.000.012.783.601.3592
4 Yr CD - $10k1.552.750.013.114.202.64156
5 Yr CD - $10k1.992.750.013.013.502.50102
3 Mo CD - $100k1.042.230.012.395.330.50134
6 Mo CD - $100k1.302.960.012.514.050.50121
9 Mo CD - $100k1.282.960.015.335.335.33405
1 Yr CD - $100k1.392.230.012.954.001.30156
18 Mo CD - $100k1.492.470.013.535.332.00205
2 Yr CD - $100k1.652.960.012.753.551.35110
30 Mo CD - $100k1.351.850.012.993.092.89164
3 Yr CD - $100k1.873.100.012.783.661.3591
4 Yr CD - $100k1.572.850.012.933.012.64136
5 Yr CD - $100k2.002.850.013.033.552.50103
High Rate Checking   2.124.000.35 
Basic Checking0.050.070.010.261.000.0121
IRA - 1 Year - $10k1.371.980.012.934.001.30156
IRA - 1 Year - $100k0.010.010.013.144.001.30313
IRA - Liquid - $10k0.040.060.010.441.870.0540
IRA - Liquid - $100k   0.481.870.05 
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k1.333.000.500.300.850.05-103
Money Market - $10k1.333.000.500.300.950.05-103
High Rate Money Market - $10k   0.250.250.25 
High Rate Money Market - $25k   0.250.250.25 
Money Market - $25k1.333.000.500.341.000.05-99
Money Market - $50k1.333.000.500.481.400.05-85
High Rate Money Market - $50k   0.250.250.25 
High Rate Money Market - $100k   1.551.551.55 
Money Market - $100k1.333.000.500.501.400.05-83
Money Market - $250k1.333.000.500.521.400.05-81
High Rate Money Market - $250k   1.651.651.65 
Money Market - $500k   0.491.400.05 
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million   0.491.400.05 
High Rate Savings0.020.020.022.373.001.40235
Regular Savings0.533.150.010.461.870.01-7
New Auto - 24 Mo   5.8113.253.74 
New Auto - 36 Mo5.595.595.595.1213.253.74-47
New Auto - 48 Mo6.317.745.595.3213.253.75-98
New Auto - 60 Mo6.267.595.595.3813.253.75-87
New Auto - 72 Mo7.447.447.444.886.493.75-256
New Auto - 84 Mo   5.846.494.99 
Used Auto - 24 Mo   5.8810.594.24 
Used Auto - 36 Mo6.496.496.495.5410.594.24-95
Used Auto - 48 Mo6.496.496.495.7910.594.99-70
Used Auto - 60 Mo6.496.496.495.8510.594.99-64
Used Auto - 72 Mo6.496.496.496.1611.494.99-33
Used Auto - 84 Mo   7.6312.195.99 
Used Boat-60 Mo   7.339.006.29 
New Boat-60 Mo   8.0810.895.99 
Rewards Credit Card16.4120.2413.4513.1417.998.99-327
Credit Card Platinum18.0020.2416.7512.5917.9910.24-540
Credit Card Classic16.4120.2413.4513.8014.7512.40-261
Home Equity - LOC 80%   6.737.256.25 
Home Equity - 5 Yr 80%   6.457.344.67 
Home Equity - 10 Yr 80%   6.797.655.40 
Home Equity - 15 Yr 80%   6.997.955.89 
7 Yr ARM6.0896.0216.0215.9716.2825.125-12
3 Yr ARM5.2705.6614.750 
5 Yr ARM6.2226.1546.1545.9726.0985.637-25
15 Yr Fixed6.3887.0005.3415.7146.2505.066-67
20 Yr Fixed5.6355.5475.5476.0375.8915.68640
30 Yr Fixed6.5057.0005.7086.0576.2325.614-45
Used Motorcycle-60 Mo   8.6510.057.24 
New Motorcycle-60 Mo   7.357.956.74 
Used Motorhome-60 Mo   7.017.456.29 
New Motorhome-60 Mo   6.797.705.29 
Unsecured - 36 Mo7.197.995.997.8010.044.9961
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* Represents the difference in the average rate between banks and credit unions.