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 - $10k1.175.500.012.015.330.0284
6 Mo CD - $10k1.595.100.012.725.000.01113
9 Mo CD - $10k1.236.910.013.085.330.01184
1 Yr CD - $10k1.635.000.012.965.120.01133
18 Mo CD - $10k1.405.500.012.935.330.01153
2 Yr CD - $10k1.464.580.012.864.590.01140
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 - $100k1.225.500.012.055.330.0183
6 Mo CD - $100k1.635.100.012.765.000.01112
9 Mo CD - $100k1.306.910.013.095.330.01179
1 Yr CD - $100k1.685.000.013.005.150.01132
18 Mo CD - $100k1.455.500.012.955.330.01150
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 - $100k1.435.500.012.914.550.01148
Youth/Student Checking   0.100.100.10 
High Rate Checking0.677.000.013.037.500.01236
Basic Checking0.1211.000.000.226.000.0110
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 - $10k1.545.000.012.955.000.01141
IRA - 1 Year - $100k1.594.450.013.0510.650.01145
IRA - Liquid - $10k0.405.000.010.665.300.0125
IRA - Liquid - $100k0.704.700.010.715.090.010
High Rate Money Market - $2.5k0.370.750.050.673.500.0129
Money Market - $2.5k0.364.390.010.745.040.0037
Money Market - $10k0.434.390.010.844.070.0141
High Rate Money Market - $10k1.273.970.011.293.840.012
High Rate Money Market - $25k1.423.970.011.643.770.0122
Money Market - $25k0.544.500.010.9920.000.0145
Money Market - $50k0.634.500.011.1420.000.0151
High Rate Money Market - $50k1.513.970.011.844.000.0133
High Rate Money Market - $100k1.674.000.012.184.000.0551
Money Market - $100k0.814.500.011.3820.000.0157
Money Market - $250k0.925.000.011.5220.000.0160
High Rate Money Market - $250k1.814.000.012.374.050.0556
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 Mo6.3311.003.745.0313.251.99-130
New Auto - 36 Mo7.1017.502.655.0913.251.99-201
New Auto - 48 Mo7.1517.502.655.2013.251.99-194
New Auto - 60 Mo7.2217.501.065.3113.251.99-191
New Auto - 72 Mo7.2813.752.655.569.951.99-172
New Auto - 84 Mo6.7711.004.295.8810.951.99-89
Used Auto - 24 Mo6.5211.754.295.2610.591.99-126
Used Auto - 36 Mo7.4618.002.995.2911.001.99-217
Used Auto - 48 Mo7.5418.002.995.4211.001.99-212
Used Auto - 60 Mo7.5118.002.995.5211.001.99-199
Used Auto - 72 Mo7.4613.752.995.7713.001.99-169
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 Mo8.4317.500.507.4018.002.50-103
Rewards Credit Card17.4929.905.9913.5922.151.00-390
Credit Card Platinum16.5228.992.0012.2119.951.00-431
Credit Card Classic15.9733.955.5012.8129.501.00-316
Home Equity - LOC 80%7.7516.000.256.8918.000.25-85
Home Equity - 5 Yr 80%7.5112.504.006.6612.501.00-85
Home Equity - 10 Yr 80%7.6112.502.507.0012.901.00-61
Home Equity - 15 Yr 80%7.6912.992.507.2713.001.00-41
7 Yr ARM6.3478.5001.0006.0238.9561.000-32
3 Yr ARM6.5069.7501.0005.9738.5001.000-53
5 Yr ARM6.3329.9904.0005.8988.9001.000-43
15 Yr Fixed5.97415.1254.3755.7959.7501.000-18
20 Yr Fixed6.0589.0004.6186.1038.7001.0004
30 Yr Fixed6.42111.4503.5006.2329.9501.000-19
15 Yr Fixed-Jumbo5.8046.6635.6535.7196.9155.290-9
20 Yr Fixed-Jumbo6.2256.2726.1295.8926.0165.640-33
7 Yr ARM-Jumbo6.0126.0825.9285.9597.5035.000-5
5 Yr ARM-Jumbo6.1596.1956.0846.2726.6476.00911
30 Yr Fixed-Jumbo6.3326.6486.2426.4347.1725.75310
Used Motorcycle-60 Mo8.0913.185.597.3213.992.00-76
New Motorcycle-60 Mo7.9310.195.597.0612.502.00-87
Used Motorhome-60 Mo8.5011.015.957.4618.002.00-104
New Motorhome-60 Mo8.4518.001.757.3918.001.00-106
Student Loan-10 Year5.855.855.855.186.753.24-67
Unsecured - 36 Mo11.2825.175.0010.6420.002.75-64
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* Represents the difference in the average rate between banks and credit unions.