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 - $10k1.324.090.011.463.750.3014
6 Mo CD - $10k2.014.140.012.314.100.5030
9 Mo CD - $10k2.303.940.012.224.300.50-7
1 Yr CD - $10k2.014.000.012.724.001.0071
18 Mo CD - $10k1.854.000.012.634.001.0078
2 Yr CD - $10k1.853.750.012.853.751.5199
30 Mo CD - $10k1.783.460.012.873.751.51108
3 Yr CD - $10k1.773.750.012.813.751.21104
4 Yr CD - $10k1.683.450.012.833.751.00115
5 Yr CD - $10k1.773.750.013.063.751.74129
3 Mo CD - $100k1.334.090.011.493.800.3016
6 Mo CD - $100k1.984.140.012.394.100.6041
9 Mo CD - $100k2.323.940.012.074.300.60-26
1 Yr CD - $100k2.024.000.012.774.001.1074
18 Mo CD - $100k1.853.740.012.644.001.1079
2 Yr CD - $100k1.904.000.012.903.801.51100
30 Mo CD - $100k1.793.460.012.873.801.51108
3 Yr CD - $100k1.823.750.012.873.801.21105
4 Yr CD - $100k1.713.450.012.833.801.00112
5 Yr CD - $100k1.783.750.013.113.851.74133
High Rate Checking0.030.050.014.055.002.25402
Basic Checking0.234.540.010.221.000.02-1
IRA - 1 Year - $10k1.904.100.032.594.751.0069
IRA - 1 Year - $100k2.113.250.102.194.800.108
IRA - Liquid - $10k0.753.690.010.842.750.019
IRA - Liquid - $100k0.631.850.010.602.990.05-3
High Rate Money Market - $2.5k0.750.750.75    
Money Market - $2.5k0.532.500.011.063.150.0153
Money Market - $10k0.592.500.011.243.150.0565
High Rate Money Market - $10k0.410.760.052.203.150.30179
High Rate Money Market - $25k0.611.260.353.153.153.15254
Money Market - $25k0.662.500.011.333.150.1067
Money Market - $50k0.803.500.011.443.150.1065
High Rate Money Market - $50k0.691.520.373.173.203.15248
High Rate Money Market - $100k1.072.040.373.353.403.25228
Money Market - $100k0.983.950.011.603.400.1563
Money Market - $250k1.043.950.011.693.650.2065
High Rate Money Market - $250k1.092.040.373.553.653.35246
Money Market - $500k1.033.250.011.603.650.3058
High Rate Money Market - $500k2.002.002.00    
High Rate Money Market - $1 million2.002.002.00    
Money Market - $1 million1.033.250.011.603.650.3058
High Rate Savings0.030.040.021.401.401.40137
Regular Savings0.261.210.010.120.350.01-14
New Auto - 24 Mo6.328.115.384.958.993.74-137
New Auto - 36 Mo7.7311.504.964.918.993.74-282
New Auto - 48 Mo7.7411.504.964.968.993.74-278
New Auto - 60 Mo7.7411.504.965.017.253.74-273
New Auto - 72 Mo7.6910.704.965.267.253.74-243
New Auto - 84 Mo6.336.665.995.116.303.74-121
Used Auto - 24 Mo6.378.175.385.198.993.99-117
Used Auto - 36 Mo8.0611.755.385.288.993.95-279
Used Auto - 48 Mo7.9911.505.385.348.993.95-265
Used Auto - 60 Mo7.8411.505.385.357.853.95-250
Used Auto - 72 Mo7.849.755.895.557.853.95-228
Used Auto - 84 Mo6.336.665.995.336.304.24-100
Used Boat-60 Mo8.138.138.136.7610.194.99-137
New Boat-60 Mo8.5113.254.966.6510.184.94-186
Rewards Credit Card16.6323.2411.9514.1118.007.99-253
Credit Card Platinum15.6318.9910.9011.6817.248.45-395
Credit Card Classic16.2128.2411.4012.0217.258.50-418
Home Equity - LOC 80%8.0611.505.496.077.753.50-199
Home Equity - 5 Yr 80%8.1410.006.757.359.905.50-79
Home Equity - 10 Yr 80%7.2810.005.757.5612.905.5028
Home Equity - 15 Yr 80%7.2810.005.757.5413.005.5026
7 Yr ARM7.0198.5005.3756.7358.2505.125-28
3 Yr ARM7.2657.9826.5005.3285.6004.750-194
5 Yr ARM6.8498.0005.2506.7348.2505.475-11
15 Yr Fixed6.0666.7505.1256.3228.2505.28826
20 Yr Fixed6.0326.1555.7296.2806.7205.68625
30 Yr Fixed6.4657.2505.2506.5168.2505.8745
15 Yr Fixed-Jumbo5.9355.8235.823 
20 Yr Fixed-Jumbo6.2446.1546.154 
7 Yr ARM-Jumbo6.1266.0586.058 
5 Yr ARM-Jumbo6.2066.1386.138 
30 Yr Fixed-Jumbo6.4286.3596.359 
Used Motorcycle-60 Mo7.667.667.666.818.745.85-85
New Motorcycle-60 Mo7.667.667.666.528.745.40-114
Used Motorhome-60 Mo8.088.088.086.6910.194.99-139
New Motorhome-60 Mo8.4711.754.966.5810.184.84-190
Unsecured - 36 Mo10.5814.996.7411.1018.006.9953
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* Represents the difference in the average rate between banks and credit unions.