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 - $10k1.644.000.012.753.640.10111
6 Mo CD - $10k2.274.250.013.224.000.2595
9 Mo CD - $10k1.503.690.013.484.002.74197
1 Yr CD - $10k2.204.000.013.263.900.30106
18 Mo CD - $10k2.044.010.013.134.501.00109
2 Yr CD - $10k1.944.060.013.054.250.50110
30 Mo CD - $10k1.723.620.013.093.552.13137
3 Yr CD - $10k1.864.060.013.003.850.60115
4 Yr CD - $10k1.794.060.013.094.200.70130
5 Yr CD - $10k1.864.110.013.124.000.75125
3 Mo CD - $100k1.724.070.012.834.200.10111
6 Mo CD - $100k2.314.300.013.274.030.2596
9 Mo CD - $100k1.553.690.013.484.002.74193
1 Yr CD - $100k2.264.500.013.293.820.30103
18 Mo CD - $100k2.085.050.013.183.801.60111
2 Yr CD - $100k1.984.060.013.053.850.50107
30 Mo CD - $100k1.764.250.013.123.552.13137
3 Yr CD - $100k1.914.060.013.023.950.60111
4 Yr CD - $100k1.803.900.013.084.050.70129
5 Yr CD - $100k1.864.000.013.134.180.75127
High Rate Checking1.423.450.012.425.000.03100
Basic Checking0.151.980.010.353.000.0120
IRA - 1 Year - $10k2.024.000.013.273.820.30125
IRA - 1 Year - $100k1.724.000.013.454.002.15173
IRA - Liquid - $10k0.603.500.010.534.080.04-7
IRA - Liquid - $100k0.953.300.010.664.080.05-29
High Rate Money Market - $2.5k0.150.150.150.881.500.2573
Money Market - $2.5k0.462.960.010.753.100.0529
Money Market - $10k0.522.960.010.853.100.0533
High Rate Money Market - $10k1.293.900.080.250.250.25-104
High Rate Money Market - $25k1.413.900.100.250.250.25-116
Money Market - $25k0.613.250.010.973.200.0536
Money Market - $50k0.763.250.011.143.250.0538
High Rate Money Market - $50k1.583.900.100.250.250.25-133
High Rate Money Market - $100k1.683.900.101.891.981.5522
Money Market - $100k0.963.400.011.393.250.0543
Money Market - $250k1.073.400.011.463.250.0540
High Rate Money Market - $250k2.053.900.102.112.231.656
Money Market - $500k0.733.090.011.703.500.0597
High Rate Money Market - $500k0.751.250.251.851.851.85110
High Rate Money Market - $1 million0.751.250.252.052.052.05130
Money Market - $1 million0.773.090.011.703.500.0593
High Rate Savings0.663.000.023.226.170.30256
Regular Savings0.393.930.010.284.080.01-11
New Auto - 24 Mo6.7010.174.295.3013.253.89-141
New Auto - 36 Mo7.0411.504.295.3013.253.89-174
New Auto - 48 Mo7.1311.504.295.3313.254.29-180
New Auto - 60 Mo7.1711.504.295.3813.254.29-179
New Auto - 72 Mo7.2810.174.295.476.594.49-181
New Auto - 84 Mo6.798.594.295.808.244.49-99
Used Auto - 24 Mo7.4310.624.295.3610.594.49-208
Used Auto - 36 Mo7.3812.504.295.3510.594.49-203
Used Auto - 48 Mo7.4512.504.295.3810.594.49-206
Used Auto - 60 Mo7.4010.624.295.4410.594.49-196
Used Auto - 72 Mo7.5110.624.295.6211.494.49-188
Used Auto - 84 Mo6.798.594.296.1612.194.49-63
Used Boat-60 Mo7.939.296.997.4810.743.25-45
New Boat-60 Mo8.1811.515.137.8711.243.25-31
Rewards Credit Card17.2423.499.9913.5718.496.75-367
Credit Card Platinum15.9418.746.9011.5617.996.75-438
Credit Card Classic15.6224.996.9013.8129.506.75-181
Home Equity - LOC 80%7.699.256.757.3114.004.75-38
Home Equity - 5 Yr 80%8.2010.616.007.048.894.67-116
Home Equity - 10 Yr 80%8.2712.146.007.258.895.40-102
Home Equity - 15 Yr 80%8.2410.616.007.438.895.59-81
7 Yr ARM6.5028.1075.2706.9818.1075.93948
3 Yr ARM5.7275.6615.661 
5 Yr ARM6.3078.0555.1256.8828.0555.63758
15 Yr Fixed6.0877.2705.1255.7917.2504.625-30
20 Yr Fixed6.0166.1555.5476.1316.3545.68011
30 Yr Fixed6.4727.2505.6256.1907.0005.614-28
15 Yr Fixed-Jumbo5.9355.8235.8235.4115.3005.300-52
20 Yr Fixed-Jumbo6.2446.1546.1545.7295.6405.640-52
7 Yr ARM-Jumbo6.1266.0586.0586.0375.9705.970-9
5 Yr ARM-Jumbo6.2066.1386.1386.1176.0496.049-9
30 Yr Fixed-Jumbo6.4286.3596.3595.8205.7535.753-61
Used Motorcycle-60 Mo7.328.146.497.6610.144.4935
New Motorcycle-60 Mo7.328.146.497.5310.144.4921
Used Motorhome-60 Mo8.279.296.997.569.744.49-71
New Motorhome-60 Mo8.2711.515.137.9118.004.49-36
Student Loan-10 Year   6.256.256.25 
Unsecured - 36 Mo10.7615.007.9910.7815.006.742
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* Represents the difference in the average rate between banks and credit unions.