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 - $10k1.133.680.011.813.800.0268
6 Mo CD - $10k1.593.870.012.744.600.01114
9 Mo CD - $10k2.043.870.013.135.300.70109
1 Yr CD - $10k1.683.870.013.204.550.12152
18 Mo CD - $10k1.734.050.013.154.600.18142
2 Yr CD - $10k1.443.680.013.144.500.20170
30 Mo CD - $10k1.493.680.012.693.600.25119
3 Yr CD - $10k1.443.680.013.094.300.30166
4 Yr CD - $10k1.453.680.013.144.200.45169
5 Yr CD - $10k1.543.680.013.164.000.60161
3 Mo CD - $100k1.163.680.012.084.460.0293
6 Mo CD - $100k1.583.870.012.744.600.01115
9 Mo CD - $100k2.053.870.013.125.300.70107
1 Yr CD - $100k1.703.870.013.245.150.12155
18 Mo CD - $100k1.723.730.013.134.200.18141
2 Yr CD - $100k1.463.680.013.164.550.20170
30 Mo CD - $100k1.513.680.012.693.660.25118
3 Yr CD - $100k1.453.680.013.144.350.30169
4 Yr CD - $100k1.463.680.013.104.000.45164
5 Yr CD - $100k1.553.680.013.154.000.60160
High Rate Checking0.020.030.012.525.250.10250
Basic Checking0.102.420.010.225.250.0112
IRA - 1 Year - $10k1.563.870.013.114.500.01155
IRA - 1 Year - $100k1.233.240.013.094.500.01186
IRA - Liquid - $10k0.324.150.010.864.080.0155
IRA - Liquid - $100k1.032.000.010.564.080.01-47
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.293.740.010.623.100.0134
Money Market - $10k0.363.740.010.693.100.0333
High Rate Money Market - $10k1.883.440.050.641.490.13-124
High Rate Money Market - $25k2.183.460.050.671.490.25-152
Money Market - $25k0.493.750.010.753.200.0527
Money Market - $50k0.613.750.010.863.200.0524
High Rate Money Market - $50k2.603.460.050.591.000.25-200
High Rate Money Market - $100k2.953.461.851.332.450.25-163
Money Market - $100k0.803.750.011.003.500.0520
Money Market - $250k0.893.750.011.093.500.0520
High Rate Money Market - $250k2.613.460.011.362.450.25-126
Money Market - $500k0.873.820.011.043.200.0517
High Rate Money Market - $500k2.002.002.001.851.851.85-15
High Rate Money Market - $1 million2.002.002.002.052.052.055
Money Market - $1 million0.943.820.011.053.200.0511
High Rate Savings0.853.300.022.893.752.00205
Regular Savings0.193.300.010.174.080.01-2
New Auto - 24 Mo6.508.994.944.786.493.09-172
New Auto - 36 Mo6.799.275.344.746.603.09-205
New Auto - 48 Mo6.859.275.344.936.603.09-191
New Auto - 60 Mo6.899.275.345.066.993.09-183
New Auto - 72 Mo6.918.995.645.397.493.99-152
New Auto - 84 Mo6.458.994.946.068.494.49-39
Used Auto - 24 Mo6.638.994.945.056.993.29-158
Used Auto - 36 Mo7.3210.775.495.026.993.29-230
Used Auto - 48 Mo7.3811.005.495.216.993.29-218
Used Auto - 60 Mo7.2811.255.445.346.993.29-193
Used Auto - 72 Mo7.098.495.945.727.493.99-137
Used Auto - 84 Mo6.658.994.946.338.494.49-32
Used Boat-60 Mo7.837.837.837.3214.492.50-51
New Boat-60 Mo8.1411.505.497.2713.492.50-87
Rewards Credit Card17.1618.7411.2413.0818.006.75-408
Credit Card Platinum16.0019.499.7412.1618.007.90-384
Credit Card Classic15.2720.999.7412.2718.006.00-300
Home Equity - LOC 80%7.7316.005.506.848.753.50-88
Home Equity - 5 Yr 80%7.418.545.596.4512.503.75-96
Home Equity - 10 Yr 80%7.548.855.696.9112.505.49-63
Home Equity - 15 Yr 80%7.398.635.797.1512.505.49-24
7 Yr ARM6.4367.0895.3756.0887.2935.125-35
3 Yr ARM6.3507.4905.5007.3218.1254.75097
5 Yr ARM6.3177.3755.0006.0067.3714.802-31
15 Yr Fixed6.0798.2505.0005.4366.3753.368-64
20 Yr Fixed6.2357.1605.5475.5796.5963.564-66
30 Yr Fixed6.4787.1255.5006.1496.9155.464-33
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-Jumbo6.2456.1776.1776.4446.3756.37520
30 Yr Fixed-Jumbo6.4076.3386.338 
Used Motorcycle-60 Mo   6.8512.992.00 
New Motorcycle-60 Mo   6.5512.392.00 
Used Motorhome-60 Mo7.087.087.087.2814.492.0020
New Motorhome-60 Mo8.2113.495.497.3013.992.00-91
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.4119.006.749.7114.494.99-170
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* Represents the difference in the average rate between banks and credit unions.