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 - $10k1.343.830.012.205.330.1086
6 Mo CD - $10k1.864.000.012.834.070.1097
9 Mo CD - $10k1.993.780.013.175.330.65118
1 Yr CD - $10k1.863.870.013.074.550.20121
18 Mo CD - $10k1.783.800.013.045.330.90126
2 Yr CD - $10k1.673.650.012.934.500.40126
30 Mo CD - $10k1.624.500.013.103.851.55148
3 Yr CD - $10k1.583.630.012.904.300.50131
4 Yr CD - $10k1.603.680.012.924.200.65132
5 Yr CD - $10k1.663.780.012.973.950.70130
3 Mo CD - $100k1.403.930.012.165.330.1076
6 Mo CD - $100k1.944.000.012.804.070.1086
9 Mo CD - $100k1.983.780.013.195.330.65122
1 Yr CD - $100k1.913.870.013.055.150.20114
18 Mo CD - $100k1.833.800.013.025.330.75119
2 Yr CD - $100k1.723.650.012.924.550.40120
30 Mo CD - $100k1.655.000.013.103.901.55146
3 Yr CD - $100k1.613.630.012.894.350.50129
4 Yr CD - $100k1.623.680.012.913.900.65128
5 Yr CD - $100k1.683.780.012.974.000.70129
High Rate Checking1.843.750.013.526.750.05169
Basic Checking0.101.330.010.182.500.018
IRA - 1 Year - $10k1.873.850.012.984.070.01111
IRA - 1 Year - $100k2.303.850.013.024.070.0172
IRA - Liquid - $10k0.443.620.010.484.080.014
IRA - Liquid - $100k0.923.300.010.514.080.01-41
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.373.300.010.893.690.0152
Money Market - $10k0.533.300.010.963.150.0143
High Rate Money Market - $10k1.123.900.032.163.500.25104
High Rate Money Market - $25k1.233.900.032.433.500.25121
Money Market - $25k0.653.300.011.103.150.0145
Money Market - $50k0.743.300.011.243.150.0150
High Rate Money Market - $50k1.413.900.032.443.500.25103
High Rate Money Market - $100k1.753.900.032.673.500.7093
Money Market - $100k0.963.300.011.403.400.0144
Money Market - $250k1.093.300.011.473.650.0138
High Rate Money Market - $250k1.973.900.052.723.650.8075
Money Market - $500k0.723.300.011.443.650.0572
High Rate Money Market - $500k   1.762.630.80 
High Rate Money Market - $1 million   2.083.400.80 
Money Market - $1 million0.783.300.011.573.820.0579
High Rate Savings1.694.200.022.705.121.00102
Regular Savings0.193.410.010.204.080.011
New Auto - 24 Mo7.1110.174.945.016.493.25-210
New Auto - 36 Mo6.929.502.655.147.993.25-178
New Auto - 48 Mo6.979.502.655.237.993.49-173
New Auto - 60 Mo7.039.622.655.367.993.50-167
New Auto - 72 Mo7.2710.022.655.687.993.99-159
New Auto - 84 Mo7.459.994.945.977.644.24-148
Used Auto - 24 Mo7.3310.624.945.316.993.99-202
Used Auto - 36 Mo7.3510.253.805.368.503.99-199
Used Auto - 48 Mo7.4110.255.395.468.503.99-195
Used Auto - 60 Mo7.319.753.805.588.503.99-173
Used Auto - 72 Mo7.3010.023.805.9313.004.24-137
Used Auto - 84 Mo7.368.994.946.137.994.24-123
Used Boat-60 Mo7.837.837.837.4510.742.50-38
New Boat-60 Mo8.0914.005.507.4714.002.50-61
Rewards Credit Card17.4224.9910.7413.0419.496.75-438
Credit Card Platinum16.4222.999.7411.8718.246.90-455
Credit Card Classic15.5320.2410.9912.2027.742.90-333
Home Equity - LOC 80%7.2211.055.506.638.501.99-59
Home Equity - 5 Yr 80%6.509.144.945.948.753.75-56
Home Equity - 10 Yr 80%6.829.255.046.359.244.75-47
Home Equity - 15 Yr 80%6.999.505.246.7310.045.50-26
7 Yr ARM6.3467.4405.5006.1257.0572.875-22
3 Yr ARM5.9406.9905.0006.2528.1254.62531
5 Yr ARM6.2417.9295.0006.0757.0433.142-17
15 Yr Fixed5.9427.2505.0005.7216.7403.000-22
20 Yr Fixed6.0996.9125.4875.9826.5405.250-12
30 Yr Fixed6.3998.0005.6006.1987.0005.000-20
15 Yr Fixed-Jumbo5.8465.7345.734 
20 Yr Fixed-Jumbo6.3466.2556.255 
7 Yr ARM-Jumbo6.1326.0646.0645.0645.0005.000-107
5 Yr ARM-Jumbo6.2456.1776.177 
30 Yr Fixed-Jumbo6.4076.3386.338 
Used Motorcycle-60 Mo   7.0611.242.00 
New Motorcycle-60 Mo   6.7311.242.00 
Used Motorhome-60 Mo7.087.087.087.5211.242.0044
New Motorhome-60 Mo8.0314.005.507.5714.002.00-46
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.0816.256.7410.2917.496.49-79
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* Represents the difference in the average rate between banks and credit unions.