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.

Sort by Product  / State

Rhode Island

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.623.840.010.633.490.10-99
6 Mo CD - $10k1.653.680.012.673.750.15102
9 Mo CD - $10k1.913.680.013.083.752.75117
1 Yr CD - $10k1.623.650.013.013.780.50139
18 Mo CD - $10k1.303.500.012.823.660.55153
2 Yr CD - $10k1.523.500.012.733.500.65121
30 Mo CD - $10k0.632.660.012.633.680.40200
3 Yr CD - $10k1.133.200.012.473.600.45134
4 Yr CD - $10k1.233.300.012.304.200.55107
5 Yr CD - $10k1.193.440.012.343.500.65116
3 Mo CD - $100k1.543.840.010.653.590.10-89
6 Mo CD - $100k1.493.680.012.673.750.15118
9 Mo CD - $100k1.713.680.013.083.752.75137
1 Yr CD - $100k1.513.650.013.023.800.50151
18 Mo CD - $100k1.565.050.012.843.700.55128
2 Yr CD - $100k1.523.500.012.743.550.65121
30 Mo CD - $100k0.632.660.012.563.680.40193
3 Yr CD - $100k1.133.200.012.473.660.45135
4 Yr CD - $100k1.303.300.012.193.500.5589
5 Yr CD - $100k1.243.440.012.353.550.65111
High Rate Checking0.020.030.011.753.000.25173
Basic Checking0.262.720.010.080.300.01-18
IRA - 1 Year - $10k1.453.650.013.064.000.50161
IRA - 1 Year - $100k2.153.240.013.534.002.85138
IRA - Liquid - $10k0.402.000.010.180.350.05-23
IRA - Liquid - $100k2.002.002.000.170.350.05-183
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.151.000.010.481.500.0533
Money Market - $10k0.271.400.011.492.500.05122
High Rate Money Market - $10k0.612.960.011.082.000.2547
High Rate Money Market - $25k0.652.960.011.212.000.2556
Money Market - $25k0.341.600.011.562.500.10122
Money Market - $50k0.431.800.011.672.500.15124
High Rate Money Market - $50k0.722.960.011.662.470.2593
High Rate Money Market - $100k0.992.960.012.192.761.55120
Money Market - $100k0.522.280.011.752.500.25123
Money Market - $250k0.552.280.011.832.500.25128
High Rate Money Market - $250k1.422.960.012.303.001.6588
Money Market - $500k1.013.000.031.422.450.2541
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million1.163.000.031.663.400.2550
High Rate Savings0.040.050.022.002.002.00196
Regular Savings0.203.150.010.110.300.05-9
New Auto - 24 Mo7.228.995.445.016.003.89-221
New Auto - 36 Mo7.818.995.445.056.243.89-275
New Auto - 48 Mo7.858.995.445.096.244.24-276
New Auto - 60 Mo7.888.995.445.116.244.29-278
New Auto - 72 Mo8.048.996.755.427.254.49-262
New Auto - 84 Mo8.998.998.996.257.754.99-274
Used Auto - 24 Mo7.328.995.645.417.004.74-190
Used Auto - 36 Mo8.058.995.645.347.004.24-271
Used Auto - 48 Mo8.068.995.645.397.004.49-267
Used Auto - 60 Mo8.128.995.645.306.244.49-282
Used Auto - 72 Mo8.508.508.505.586.744.74-292
Used Auto - 84 Mo8.998.998.996.437.155.49-257
Used Boat-60 Mo   8.4711.245.50 
New Boat-60 Mo9.1210.258.258.7710.496.50-35
Rewards Credit Card17.7418.7416.4915.1417.746.99-260
Credit Card Platinum16.7718.2412.4913.0217.246.99-375
Credit Card Classic17.4520.2414.4913.7516.999.75-370
Home Equity - LOC 80%7.269.556.256.267.255.75-100
Home Equity - 5 Yr 80%7.127.886.507.017.346.49-12
Home Equity - 10 Yr 80%7.338.256.757.147.656.49-19
Home Equity - 15 Yr 80%7.417.797.007.337.956.49-8
7 Yr ARM6.0596.3885.7506.0966.1465.8754
3 Yr ARM5.7336.0005.5005.6535.6615.500-8
5 Yr ARM5.9676.5385.5006.0416.5005.4757
15 Yr Fixed5.7286.0005.4205.8727.0005.06614
20 Yr Fixed6.1756.1755.9696.1896.1135.8611
30 Yr Fixed6.1906.6255.7506.2946.8755.61410
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 Mo   7.2110.055.49 
New Motorcycle-60 Mo   6.407.954.49 
Used Motorhome-60 Mo   7.6910.005.34 
New Motorhome-60 Mo9.009.008.998.449.755.99-55
Student Loan-10 Year5.855.855.854.254.254.25-160
Unsecured - 36 Mo11.6115.657.9910.8515.758.24-76
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.