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 - $10k1.585.090.012.363.800.2078
6 Mo CD - $10k2.264.600.012.724.310.2546
9 Mo CD - $10k2.354.000.013.215.000.9086
1 Yr CD - $10k2.375.000.012.884.060.3051
18 Mo CD - $10k2.254.750.012.994.751.1074
2 Yr CD - $10k2.273.850.012.763.700.4049
30 Mo CD - $10k2.224.250.012.754.701.3953
3 Yr CD - $10k2.253.750.012.733.760.5048
4 Yr CD - $10k2.224.000.012.763.810.6055
5 Yr CD - $10k2.303.800.012.843.880.7054
3 Mo CD - $100k1.625.090.012.323.800.2070
6 Mo CD - $100k2.294.600.012.724.310.2543
9 Mo CD - $100k2.384.000.013.285.000.9089
1 Yr CD - $100k2.435.000.012.934.060.3049
18 Mo CD - $100k2.355.050.012.974.301.3062
2 Yr CD - $100k2.363.940.012.813.800.4045
30 Mo CD - $100k2.233.950.012.774.701.3955
3 Yr CD - $100k2.323.750.012.773.810.5045
4 Yr CD - $100k2.304.000.012.793.860.6049
5 Yr CD - $100k2.383.800.012.903.930.7052
High Rate Checking1.306.000.013.806.750.05250
Basic Checking0.182.000.010.233.750.015
HSA - $1k0.010.010.010.350.500.2034
HSA - $10k1.241.241.240.500.500.50-74
HSA - $25k   0.761.010.50 
IRA - 1 Year - $10k2.374.750.012.914.501.0055
IRA - 1 Year - $100k2.494.450.012.724.501.0023
IRA - Liquid - $10k1.054.450.010.713.600.01-34
IRA - Liquid - $100k1.454.450.010.733.600.05-73
High Rate Money Market - $2.5k0.530.750.301.452.150.7593
Money Market - $2.5k0.492.960.010.672.670.0518
Money Market - $10k0.602.960.010.802.720.0520
High Rate Money Market - $10k1.173.900.151.983.350.7581
High Rate Money Market - $25k1.383.900.452.023.350.7563
Money Market - $25k0.752.970.030.952.760.1020
Money Market - $50k0.873.060.031.102.810.1023
High Rate Money Market - $50k1.443.900.251.963.060.7552
High Rate Money Market - $100k1.773.900.272.103.061.0033
Money Market - $100k1.143.550.031.363.360.1022
Money Market - $250k1.313.830.031.483.360.1017
High Rate Money Market - $250k2.143.900.302.563.062.0042
Money Market - $500k1.123.200.011.433.000.1031
High Rate Money Market - $500k1.182.550.252.543.002.00136
High Rate Money Market - $1 million1.182.550.253.133.403.00195
Money Market - $1 million1.203.500.011.463.250.1026
High Rate Savings1.363.300.021.975.120.0161
Regular Savings0.294.350.010.193.250.01-10
New Auto - 24 Mo6.398.594.494.816.243.49-158
New Auto - 36 Mo7.329.754.494.836.753.49-249
New Auto - 48 Mo7.3910.504.505.126.753.74-227
New Auto - 60 Mo7.4510.504.505.236.753.74-223
New Auto - 72 Mo7.539.904.995.447.743.74-209
New Auto - 84 Mo7.158.595.395.829.803.74-133
Used Auto - 24 Mo6.9510.034.494.966.643.49-199
Used Auto - 36 Mo7.5410.504.495.0611.003.49-247
Used Auto - 48 Mo7.6111.004.945.3411.004.29-227
Used Auto - 60 Mo7.6511.004.995.4211.004.29-223
Used Auto - 72 Mo7.6010.034.995.6411.004.29-196
Used Auto - 84 Mo7.958.596.666.079.804.44-187
Used Boat-60 Mo8.149.846.496.399.254.94-175
New Boat-60 Mo7.9610.255.256.369.304.57-160
Rewards Credit Card16.9323.249.9914.2418.007.90-269
Credit Card Platinum16.5919.249.9912.3717.746.90-422
Credit Card Classic15.9028.249.9913.8728.244.00-204
Home Equity - LOC 80%7.859.656.246.748.503.50-111
Home Equity - 5 Yr 80%7.239.755.256.257.804.99-98
Home Equity - 10 Yr 80%8.0312.495.256.568.125.25-147
Home Equity - 15 Yr 80%8.2712.995.506.839.415.25-144
7 Yr ARM6.1537.0895.2506.0038.0005.125-15
3 Yr ARM6.7507.5256.0005.0896.4474.234-166
5 Yr ARM6.6267.6505.0005.9897.3754.995-64
15 Yr Fixed6.0999.0004.6515.9627.7405.120-14
20 Yr Fixed6.1369.0004.6185.9476.3025.542-19
30 Yr Fixed6.4879.0005.0886.2246.9105.647-26
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-Jumbo6.4286.3596.3597.2457.1727.17282
Used Motorcycle-60 Mo7.337.666.996.188.504.44-115
New Motorcycle-60 Mo7.507.846.995.987.744.44-151
Used Motorhome-60 Mo8.139.846.496.367.744.94-177
New Motorhome-60 Mo8.0110.605.096.429.744.75-158
Unsecured - 36 Mo11.4418.006.7410.8814.996.99-55
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* Represents the difference in the average rate between banks and credit unions.