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 - $10k1.744.000.012.465.330.0572
6 Mo CD - $10k2.354.300.013.084.250.0573
9 Mo CD - $10k2.214.000.013.555.330.70134
1 Yr CD - $10k2.464.500.013.304.500.1084
18 Mo CD - $10k2.214.000.013.205.330.1599
2 Yr CD - $10k2.163.950.013.094.000.2094
30 Mo CD - $10k1.743.650.013.113.750.40136
3 Yr CD - $10k2.103.900.013.044.000.3095
4 Yr CD - $10k2.063.900.013.014.200.3595
5 Yr CD - $10k2.094.250.013.034.000.4094
3 Mo CD - $100k1.924.000.012.585.330.0566
6 Mo CD - $100k2.495.000.013.144.300.0565
9 Mo CD - $100k2.384.500.013.475.330.70109
1 Yr CD - $100k2.594.500.013.364.650.1077
18 Mo CD - $100k2.314.400.013.235.330.1592
2 Yr CD - $100k2.264.400.013.144.070.2087
30 Mo CD - $100k1.803.650.013.173.800.55137
3 Yr CD - $100k2.174.450.013.074.250.3091
4 Yr CD - $100k2.113.900.013.034.000.3592
5 Yr CD - $100k2.144.450.013.064.180.4092
High Rate Checking1.214.070.012.676.100.02146
Basic Checking0.2811.000.000.205.120.01-8
HSA - $10k   0.300.300.30 
HSA - $25k   0.300.300.30 
IRA - 1 Year - $10k2.344.250.013.304.750.1096
IRA - 1 Year - $100k1.963.950.013.6010.650.10164
IRA - Liquid - $10k1.233.760.010.674.080.01-56
IRA - Liquid - $100k1.272.500.010.714.080.01-57
High Rate Money Market - $2.5k0.450.750.150.250.250.25-20
Money Market - $2.5k0.623.750.010.703.150.008
Money Market - $10k0.693.750.010.783.150.059
High Rate Money Market - $10k1.453.440.030.551.750.05-90
High Rate Money Market - $25k1.713.440.081.243.150.25-47
Money Market - $25k0.794.400.010.863.200.057
Money Market - $50k0.884.400.010.973.500.059
High Rate Money Market - $50k1.793.440.101.723.200.25-7
High Rate Money Market - $100k1.883.440.102.063.250.5018
Money Market - $100k1.104.400.011.123.500.052
Money Market - $250k1.224.500.011.183.500.05-4
High Rate Money Market - $250k2.053.440.102.203.350.5015
Money Market - $500k1.044.400.011.313.700.0528
High Rate Money Market - $500k2.503.002.001.851.851.85-65
High Rate Money Market - $1 million2.633.252.002.052.052.05-58
Money Market - $1 million1.094.400.011.384.000.0529
Youth/Student Savings   0.250.250.25 
High Rate Savings1.503.650.022.475.000.8597
Regular Savings0.424.000.010.224.080.00-20
New Auto - 24 Mo5.526.664.294.8713.253.24-65
New Auto - 36 Mo7.4014.003.754.898.992.99-250
New Auto - 48 Mo7.5014.003.955.018.993.49-249
New Auto - 60 Mo7.5514.003.955.117.003.49-243
New Auto - 72 Mo7.5413.754.255.338.003.49-221
New Auto - 84 Mo5.646.664.295.689.003.494
Used Auto - 24 Mo5.947.844.295.0110.593.24-93
Used Auto - 36 Mo8.0014.004.505.098.993.24-292
Used Auto - 48 Mo8.0514.004.505.218.993.49-284
Used Auto - 60 Mo7.8814.004.515.298.253.49-259
Used Auto - 72 Mo7.6513.754.515.448.003.49-221
Used Auto - 84 Mo5.786.794.295.8212.193.495
Used Boat-60 Mo8.059.806.997.1512.603.49-90
New Boat-60 Mo8.2414.001.756.9811.853.49-126
Rewards Credit Card17.5929.909.7514.0418.497.90-356
Credit Card Platinum15.4620.4910.2412.2318.993.00-323
Credit Card Classic15.0328.246.9012.7728.245.75-226
Home Equity - LOC 80%7.7210.055.497.0412.003.00-68
Home Equity - 5 Yr 80%7.9110.954.756.619.904.74-131
Home Equity - 10 Yr 80%8.0410.955.756.8212.905.02-122
Home Equity - 15 Yr 80%7.8510.616.496.9613.005.25-89
7 Yr ARM6.6728.0003.7506.2067.4535.000-47
3 Yr ARM7.1649.4905.4006.4948.0004.750-67
5 Yr ARM7.0259.9904.5006.0967.5334.875-93
15 Yr Fixed6.24411.5004.8755.8827.5002.210-36
20 Yr Fixed5.9156.1555.5476.0317.8802.69212
30 Yr Fixed6.5848.0005.6256.2357.5072.672-35
15 Yr Fixed-Jumbo5.7655.6535.653 
20 Yr Fixed-Jumbo6.2196.1296.129 
7 Yr ARM-Jumbo5.9955.9285.928 
5 Yr ARM-Jumbo6.1526.0846.084 
30 Yr Fixed-Jumbo6.3116.2426.242 
Used Motorcycle-60 Mo8.029.806.496.9911.853.49-104
New Motorcycle-60 Mo8.029.806.496.8610.853.49-116
Used Motorhome-60 Mo7.899.806.997.0211.503.49-87
New Motorhome-60 Mo8.1914.001.757.0111.503.49-118
Unsecured - 36 Mo11.5417.956.7410.2916.246.00-125
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* Represents the difference in the average rate between banks and credit unions.