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.

Sort by Product  / State

Iowa

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.493.940.011.295.000.15-20
6 Mo CD - $10k2.184.250.012.525.000.2034
9 Mo CD - $10k2.445.020.012.594.080.0115
1 Yr CD - $10k2.224.000.012.454.180.0123
18 Mo CD - $10k2.093.850.012.274.100.0118
2 Yr CD - $10k2.154.050.012.463.900.0131
30 Mo CD - $10k2.133.620.012.714.000.4057
3 Yr CD - $10k2.133.750.012.353.650.0122
4 Yr CD - $10k2.173.810.012.453.650.5528
5 Yr CD - $10k2.263.900.012.363.800.0111
3 Mo CD - $100k1.543.990.011.085.000.15-46
6 Mo CD - $100k2.234.250.012.455.000.2022
9 Mo CD - $100k2.505.300.012.604.080.019
1 Yr CD - $100k2.284.000.012.454.350.0117
18 Mo CD - $100k2.175.050.012.204.500.013
2 Yr CD - $100k2.204.050.012.474.000.0127
30 Mo CD - $100k2.193.800.012.724.000.4054
3 Yr CD - $100k2.183.800.012.403.750.0121
4 Yr CD - $100k2.213.810.012.463.760.5525
5 Yr CD - $100k2.313.900.012.363.870.014
High Rate Checking2.414.000.012.915.000.1050
Basic Checking0.2411.000.010.345.000.0110
HSA - $1k   0.250.250.25 
HSA - $10k   0.300.300.30 
HSA - $25k   0.350.350.35 
IRA - 1 Year - $10k2.073.950.032.264.050.0120
IRA - 1 Year - $100k2.334.040.042.404.050.307
IRA - Liquid - $10k1.514.250.010.704.070.01-80
IRA - Liquid - $100k1.052.500.010.441.300.05-61
High Rate Money Market - $2.5k   2.503.501.50 
Money Market - $2.5k0.472.500.010.783.500.1031
Money Market - $10k0.562.500.010.973.750.1041
High Rate Money Market - $10k0.993.500.082.023.500.50103
High Rate Money Market - $25k1.233.500.102.233.501.34100
Money Market - $25k0.712.720.011.173.750.1546
Money Market - $50k0.832.720.011.303.750.2048
High Rate Money Market - $50k1.343.500.102.263.501.3992
High Rate Money Market - $100k1.573.550.102.563.551.8099
Money Market - $100k1.083.300.011.493.750.2541
Money Market - $250k1.263.300.011.603.750.2535
High Rate Money Market - $250k1.853.600.102.103.600.6526
Money Market - $500k1.272.750.011.493.400.2523
High Rate Money Market - $500k   2.953.652.25 
High Rate Money Market - $1 million   3.053.652.45 
Money Market - $1 million1.322.750.011.523.500.2520
High Rate Savings0.873.300.021.754.000.1588
Regular Savings0.251.840.010.201.650.05-5
New Auto - 24 Mo6.388.595.344.865.843.92-152
New Auto - 36 Mo7.1511.004.254.997.253.89-216
New Auto - 48 Mo7.2011.004.255.067.253.89-214
New Auto - 60 Mo7.2311.004.255.137.253.89-210
New Auto - 72 Mo7.2610.194.255.398.003.89-187
New Auto - 84 Mo7.038.595.745.587.194.39-145
Used Auto - 24 Mo6.608.595.385.216.374.39-138
Used Auto - 36 Mo7.4511.004.495.227.253.89-223
Used Auto - 48 Mo7.5011.004.495.277.253.89-223
Used Auto - 60 Mo7.5211.004.495.337.253.89-219
Used Auto - 72 Mo7.5010.004.755.668.003.89-184
Used Auto - 84 Mo7.148.595.745.967.244.39-118
Used Boat-60 Mo7.749.295.957.1911.244.50-56
New Boat-60 Mo7.9011.004.007.0311.244.50-87
Rewards Credit Card17.0323.499.9913.9417.748.90-309
Credit Card Platinum15.7218.498.9912.9917.498.99-274
Credit Card Classic15.0817.4912.0012.9517.997.75-213
Home Equity - LOC 80%7.6710.006.746.588.004.49-109
Home Equity - 5 Yr 80%7.3210.005.996.508.233.99-82
Home Equity - 10 Yr 80%7.459.035.996.998.735.25-46
Home Equity - 15 Yr 80%7.549.256.007.409.985.70-13
7 Yr ARM6.6147.7005.3755.7746.3015.500-84
3 Yr ARM6.6957.5005.8755.7846.2375.500-91
5 Yr ARM6.6558.0005.2505.8408.1325.240-81
15 Yr Fixed5.9797.0005.0005.7506.8755.250-23
20 Yr Fixed6.0726.2005.7875.9746.3295.345-10
30 Yr Fixed6.3737.5005.5006.1287.5005.625-24
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 Mo7.317.666.955.928.744.50-139
New Motorcycle-60 Mo7.317.666.955.748.744.49-157
Used Motorhome-60 Mo7.739.295.957.0810.244.50-66
New Motorhome-60 Mo7.9511.005.506.9210.244.50-103
Unsecured - 36 Mo12.8821.006.7410.8214.748.25-207
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.