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 - $10k1.394.000.012.315.330.1093
6 Mo CD - $10k2.024.260.012.924.500.1089
9 Mo CD - $10k2.114.230.013.555.331.30145
1 Yr CD - $10k2.164.500.013.074.050.1992
18 Mo CD - $10k2.123.800.013.005.330.2588
2 Yr CD - $10k2.083.750.012.863.850.5578
30 Mo CD - $10k1.643.940.012.963.751.00132
3 Yr CD - $10k1.973.650.012.763.750.9079
4 Yr CD - $10k1.963.600.012.804.200.8585
5 Yr CD - $10k2.013.750.012.873.800.9086
3 Mo CD - $100k1.514.000.012.415.330.1090
6 Mo CD - $100k2.114.260.012.894.500.1479
9 Mo CD - $100k2.154.180.013.565.331.30141
1 Yr CD - $100k2.224.500.013.074.050.2385
18 Mo CD - $100k2.213.940.013.005.330.2978
2 Yr CD - $100k2.123.750.012.873.850.6075
30 Mo CD - $100k1.533.750.012.933.801.00140
3 Yr CD - $100k1.993.650.012.773.800.9079
4 Yr CD - $100k1.973.600.012.803.800.9583
5 Yr CD - $100k2.033.750.012.913.851.0089
High Rate Checking0.542.020.013.256.250.35271
Basic Checking0.212.150.010.333.250.0112
IRA - 1 Year - $10k2.024.000.012.874.750.0585
IRA - 1 Year - $100k1.292.600.013.194.800.15190
IRA - Liquid - $10k0.964.420.010.864.590.01-11
IRA - Liquid - $100k0.320.700.010.774.590.0545
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.513.800.010.723.150.0120
Money Market - $10k0.583.800.010.813.150.0523
High Rate Money Market - $10k1.442.550.010.280.300.25-116
High Rate Money Market - $25k1.462.550.012.283.450.2582
Money Market - $25k0.713.800.010.903.150.0519
Money Market - $50k0.863.800.011.023.150.0516
High Rate Money Market - $50k1.613.130.012.303.450.2569
High Rate Money Market - $100k1.793.130.142.473.451.5569
Money Market - $100k1.133.800.011.253.150.0512
Money Market - $250k1.264.000.011.383.150.0511
High Rate Money Market - $250k1.863.250.142.523.451.6566
Money Market - $500k0.581.550.011.403.100.0581
High Rate Money Market - $500k   1.751.851.65 
High Rate Money Market - $1 million   1.852.051.65 
Money Market - $1 million0.601.700.011.563.820.0596
High Rate Savings0.522.020.022.163.500.10164
Regular Savings0.313.750.010.224.080.01-10
New Auto - 24 Mo5.545.994.944.836.853.74-72
New Auto - 36 Mo7.3910.005.005.037.503.49-236
New Auto - 48 Mo7.4310.005.005.117.503.90-233
New Auto - 60 Mo7.5210.255.385.167.503.90-236
New Auto - 72 Mo7.4110.505.295.337.503.90-207
New Auto - 84 Mo6.106.894.945.656.993.99-45
Used Auto - 24 Mo5.636.194.945.086.853.99-55
Used Auto - 36 Mo7.8212.005.005.267.503.49-256
Used Auto - 48 Mo7.9312.005.005.357.503.95-258
Used Auto - 60 Mo7.9912.005.385.417.503.95-258
Used Auto - 72 Mo7.7910.505.495.567.503.95-223
Used Auto - 84 Mo6.117.394.945.897.753.99-21
Used Boat-60 Mo8.919.997.837.6811.244.49-123
New Boat-60 Mo8.3610.704.257.1110.993.99-125
Rewards Credit Card16.9923.248.7512.6117.996.00-438
Credit Card Platinum15.8420.248.7511.5517.997.90-429
Credit Card Classic15.4929.249.7411.7716.405.99-372
Home Equity - LOC 80%7.7511.755.496.828.004.00-92
Home Equity - 5 Yr 80%6.989.035.386.839.905.50-15
Home Equity - 10 Yr 80%7.259.036.007.3212.906.247
Home Equity - 15 Yr 80%7.258.796.007.5213.006.6528
7 Yr ARM6.7408.5005.2506.0936.5195.375-65
3 Yr ARM6.3987.6305.2505.7918.0004.990-61
5 Yr ARM6.9379.0005.0005.8296.5734.750-111
15 Yr Fixed6.4119.0004.9905.8157.2505.000-60
20 Yr Fixed6.0326.1555.7295.9226.2405.500-11
30 Yr Fixed6.6457.6255.5796.2337.5005.000-41
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 Mo6.196.196.197.1610.354.4997
New Motorcycle-60 Mo5.695.695.696.8110.354.49112
Used Motorhome-60 Mo8.549.997.087.6110.744.49-93
New Motorhome-60 Mo8.4211.504.257.1210.243.99-130
Student Loan-10 Year   4.254.254.25 
Unsecured - 36 Mo10.7617.006.7410.4514.756.74-30
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* Represents the difference in the average rate between banks and credit unions.