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 - $10k1.104.700.012.113.720.05101
6 Mo CD - $10k1.524.650.012.724.160.05119
9 Mo CD - $10k1.664.170.012.764.400.05110
1 Yr CD - $10k1.514.250.013.014.420.10150
18 Mo CD - $10k1.304.200.012.974.020.18167
2 Yr CD - $10k1.413.650.012.894.110.10148
30 Mo CD - $10k1.094.000.012.944.580.45185
3 Yr CD - $10k1.313.700.012.904.110.10160
4 Yr CD - $10k1.343.750.012.944.200.20160
5 Yr CD - $10k1.454.000.012.964.010.10152
3 Mo CD - $100k1.134.700.012.133.720.05100
6 Mo CD - $100k1.554.650.012.794.180.05124
9 Mo CD - $100k1.684.170.012.764.400.05108
1 Yr CD - $100k1.574.250.013.044.420.10147
18 Mo CD - $100k1.334.200.013.004.470.27167
2 Yr CD - $100k1.453.650.012.924.350.10147
30 Mo CD - $100k1.104.000.012.864.500.45176
3 Yr CD - $100k1.323.700.012.914.110.10159
4 Yr CD - $100k1.343.750.012.944.060.20160
5 Yr CD - $100k1.484.000.012.994.010.10151
High Rate Checking0.662.500.013.206.000.05254
Basic Checking0.122.020.010.251.990.0113
HSA - $1k0.070.110.050.571.010.2050
HSA - $10k0.431.000.151.352.530.5091
HSA - $25k0.852.020.241.693.051.0184
IRA - 1 Year - $10k1.424.250.012.874.000.10145
IRA - 1 Year - $100k2.063.800.012.844.420.0779
IRA - Liquid - $10k0.493.620.010.504.960.011
IRA - Liquid - $100k1.323.200.010.674.080.01-65
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.314.180.010.964.000.0165
Money Market - $10k0.394.180.011.043.150.0365
High Rate Money Market - $10k1.063.900.031.863.500.2580
High Rate Money Market - $25k1.543.900.031.943.500.2539
Money Market - $25k0.524.430.011.243.150.0572
Money Market - $50k0.594.430.011.453.250.0586
High Rate Money Market - $50k1.433.900.031.983.500.2556
High Rate Money Market - $100k1.633.900.032.223.500.9058
Money Market - $100k0.804.430.011.673.500.0587
Money Market - $250k0.894.430.011.764.000.0587
High Rate Money Market - $250k1.653.900.052.283.681.0063
Money Market - $500k0.562.270.011.753.750.12119
High Rate Money Market - $500k0.250.250.252.102.791.65185
High Rate Money Market - $1 million0.250.250.252.162.791.65191
Money Market - $1 million0.622.270.011.783.750.12116
High Rate Savings0.673.500.023.747.001.40307
Regular Savings0.163.410.010.114.080.01-5
New Auto - 24 Mo6.388.494.945.288.563.89-110
New Auto - 36 Mo6.839.634.945.318.563.75-152
New Auto - 48 Mo6.859.634.945.388.563.75-148
New Auto - 60 Mo6.909.634.945.418.563.75-149
New Auto - 72 Mo7.069.634.945.598.563.75-148
New Auto - 84 Mo6.367.244.945.958.564.49-40
Used Auto - 24 Mo6.8810.034.945.598.814.25-130
Used Auto - 36 Mo7.0610.134.945.598.813.75-147
Used Auto - 48 Mo7.1210.134.945.638.813.75-150
Used Auto - 60 Mo7.1510.134.755.667.493.75-149
Used Auto - 72 Mo7.2810.034.945.837.493.75-145
Used Auto - 84 Mo6.497.834.946.127.504.49-38
Used Boat-60 Mo8.9810.157.837.5911.464.49-138
New Boat-60 Mo8.5713.255.007.5711.464.49-100
Rewards Credit Card17.1024.9912.0013.3718.007.99-373
Credit Card Platinum16.2219.999.7411.9318.005.99-428
Credit Card Classic15.7629.249.0013.1818.997.99-258
Home Equity - LOC 80%7.299.505.506.869.504.99-44
Home Equity - 5 Yr 80%7.159.874.946.689.504.99-47
Home Equity - 10 Yr 80%7.509.865.046.9510.244.99-55
Home Equity - 15 Yr 80%7.559.895.247.2310.254.99-32
7 Yr ARM6.7427.7505.6256.1047.2855.000-64
3 Yr ARM6.2747.9825.0005.7557.5104.700-52
5 Yr ARM6.5657.7505.5006.0058.2505.000-56
15 Yr Fixed6.0507.7505.1255.9287.5002.500-12
20 Yr Fixed6.1646.9935.5476.4977.9195.57233
30 Yr Fixed6.4878.7505.5796.3617.3443.500-13
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 Mo10.1910.1910.197.2310.494.49-296
New Motorcycle-60 Mo9.7510.199.306.9610.494.49-278
Used Motorhome-60 Mo9.0610.157.087.3711.464.49-169
New Motorhome-60 Mo8.4113.255.007.5611.464.49-85
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo12.0320.906.4910.7218.005.00-131
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* Represents the difference in the average rate between banks and credit unions.