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 2/12/2026.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.023.930.012.205.330.09118
6 Mo CD - $10k1.564.000.012.584.250.05102
9 Mo CD - $10k1.243.900.013.085.330.75184
1 Yr CD - $10k1.503.940.012.784.200.07128
18 Mo CD - $10k1.323.700.012.785.330.13145
2 Yr CD - $10k1.214.050.012.704.090.10149
30 Mo CD - $10k0.953.650.012.744.500.18178
3 Yr CD - $10k1.203.750.012.784.040.30158
4 Yr CD - $10k1.153.650.012.814.200.40167
5 Yr CD - $10k1.223.750.012.964.410.50174
3 Mo CD - $100k1.103.890.012.255.330.09115
6 Mo CD - $100k1.644.070.012.654.250.05101
9 Mo CD - $100k1.374.010.013.135.330.85176
1 Yr CD - $100k1.653.940.012.864.200.07121
18 Mo CD - $100k1.463.900.012.875.330.13141
2 Yr CD - $100k1.304.050.012.784.090.10148
30 Mo CD - $100k1.103.750.012.814.050.18171
3 Yr CD - $100k1.313.750.012.834.050.30152
4 Yr CD - $100k1.203.700.012.874.220.40167
5 Yr CD - $100k1.263.750.013.024.460.50176
High Rate Checking0.883.250.012.317.000.03143
Basic Checking0.092.400.000.194.070.0110
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.453.750.012.874.250.05142
IRA - 1 Year - $100k1.693.650.012.974.920.05128
IRA - Liquid - $10k0.110.850.010.534.080.0142
IRA - Liquid - $100k0.321.850.010.574.080.0125
High Rate Money Market - $2.5k0.370.750.050.521.250.0515
Money Market - $2.5k0.403.000.010.624.930.0121
Money Market - $10k0.483.800.010.703.510.0122
High Rate Money Market - $10k0.693.440.031.023.450.2533
High Rate Money Market - $25k0.763.440.031.203.690.2544
Money Market - $25k0.573.800.010.8920.000.0132
Money Market - $50k0.653.800.011.0120.000.0136
High Rate Money Market - $50k0.863.440.051.553.930.2570
High Rate Money Market - $100k0.823.440.051.943.930.50112
Money Market - $100k0.803.920.011.2120.000.0141
Money Market - $250k0.843.920.011.3320.000.0449
High Rate Money Market - $250k0.913.440.052.283.980.50137
Money Market - $500k1.103.800.101.4220.000.0532
High Rate Money Market - $500k1.772.550.752.934.001.85116
High Rate Money Market - $1 million1.852.551.003.034.002.05118
Money Market - $1 million1.113.800.101.4720.000.0535
High Rate Savings1.373.900.022.906.180.05153
Regular Savings0.374.400.010.216.000.01-16
New Auto - 24 Mo7.198.595.345.0813.252.99-211
New Auto - 36 Mo7.6110.204.745.087.992.99-253
New Auto - 48 Mo7.6210.204.995.247.992.99-238
New Auto - 60 Mo7.6410.205.345.347.993.49-230
New Auto - 72 Mo7.8910.205.745.627.993.99-227
New Auto - 84 Mo7.758.596.385.927.994.49-183
Used Auto - 24 Mo7.298.785.385.3010.592.99-199
Used Auto - 36 Mo7.9611.955.245.327.992.99-265
Used Auto - 48 Mo7.9211.955.385.497.992.99-243
Used Auto - 60 Mo7.869.565.385.597.993.49-227
Used Auto - 72 Mo8.139.566.245.837.993.34-230
Used Auto - 84 Mo7.798.786.386.1812.194.49-161
Used Boat-60 Mo9.5211.017.508.0313.204.49-149
New Boat-60 Mo9.8911.506.998.1113.244.49-178
Rewards Credit Card17.5523.9911.9913.6422.157.90-391
Credit Card Platinum16.5219.499.5012.0617.993.10-446
Credit Card Classic17.9728.2413.4913.5728.246.95-440
Home Equity - LOC 80%8.0210.255.997.139.504.99-89
Home Equity - 5 Yr 80%8.6610.617.907.259.004.99-141
Home Equity - 10 Yr 80%8.7110.617.407.5312.635.75-118
Home Equity - 15 Yr 80%8.9310.617.407.6412.633.33-129
7 Yr ARM6.3787.0895.6255.9427.5512.520-44
3 Yr ARM6.0997.6255.5006.0758.0004.250-2
5 Yr ARM5.9446.2505.5005.9097.3293.980-4
15 Yr Fixed6.0448.5404.8755.7987.0004.750-25
20 Yr Fixed5.9806.2885.5476.1367.8804.80016
30 Yr Fixed6.4707.0005.6256.2037.3875.326-27
15 Yr Fixed-Jumbo5.9355.8235.8236.3296.2156.21539
20 Yr Fixed-Jumbo6.2446.1546.154 
7 Yr ARM-Jumbo6.1266.0586.0587.5777.5037.503145
5 Yr ARM-Jumbo6.2066.1386.1386.7176.6476.64751
30 Yr Fixed-Jumbo6.4286.3596.3596.7326.6626.66230
Used Motorcycle-60 Mo8.3410.196.497.7811.854.25-56
New Motorcycle-60 Mo8.3410.196.497.4511.254.25-89
Used Motorhome-60 Mo9.5211.017.507.8313.204.49-169
New Motorhome-60 Mo9.6811.506.997.8913.244.49-179
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.3915.716.7410.7718.006.99-62
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* Represents the difference in the average rate between banks and credit unions.