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 - $10k1.073.970.011.403.650.0333
6 Mo CD - $10k1.464.250.012.604.400.15114
9 Mo CD - $10k1.313.850.013.034.150.25172
1 Yr CD - $10k1.653.960.012.784.100.10113
18 Mo CD - $10k1.404.010.012.634.000.15123
2 Yr CD - $10k1.594.250.012.653.750.20106
30 Mo CD - $10k1.173.960.012.694.000.75152
3 Yr CD - $10k1.543.960.012.713.750.20116
4 Yr CD - $10k1.544.060.012.723.850.50117
5 Yr CD - $10k1.623.800.012.814.000.20119
3 Mo CD - $100k1.093.970.011.413.650.0333
6 Mo CD - $100k1.514.250.012.594.400.15108
9 Mo CD - $100k1.384.250.013.024.150.25164
1 Yr CD - $100k1.683.960.012.774.100.10109
18 Mo CD - $100k1.434.250.012.604.000.15117
2 Yr CD - $100k1.624.250.012.653.750.20102
30 Mo CD - $100k1.153.100.012.684.000.75152
3 Yr CD - $100k1.573.960.012.703.750.20113
4 Yr CD - $100k1.563.860.012.713.850.50114
5 Yr CD - $100k1.643.800.012.804.000.20116
High Rate Checking0.422.020.012.995.000.05258
Basic Checking0.090.500.010.223.000.0113
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.484.780.012.494.250.10101
IRA - 1 Year - $100k2.173.500.012.354.250.1018
IRA - Liquid - $10k0.373.650.010.614.080.0124
IRA - Liquid - $100k1.293.200.010.664.080.01-62
High Rate Money Market - $2.5k0.300.300.301.251.251.2595
Money Market - $2.5k0.373.930.010.743.690.0137
Money Market - $10k0.483.930.010.893.150.0141
High Rate Money Market - $10k1.383.900.010.771.250.30-62
High Rate Money Market - $25k1.643.900.011.963.150.7532
Money Market - $25k0.623.930.011.053.150.0143
Money Market - $50k0.753.930.011.213.150.0146
High Rate Money Market - $50k1.903.900.012.283.201.2538
High Rate Money Market - $100k2.173.900.012.393.251.2923
Money Market - $100k0.963.930.011.393.500.0143
Money Market - $250k1.063.930.011.573.650.0851
High Rate Money Market - $250k1.993.900.012.953.502.2396
Money Market - $500k0.392.220.011.443.650.25104
High Rate Money Market - $500k1.402.550.254.004.004.00260
High Rate Money Market - $1 million1.402.550.254.004.004.00260
Money Market - $1 million0.472.220.011.473.650.25100
High Rate Savings0.030.050.022.053.100.75202
Regular Savings0.110.750.010.174.080.016
New Auto - 24 Mo6.2610.173.745.227.393.99-104
New Auto - 36 Mo6.8810.003.995.327.493.74-157
New Auto - 48 Mo6.9510.254.495.397.493.89-157
New Auto - 60 Mo7.0310.754.495.457.493.89-158
New Auto - 72 Mo7.239.354.745.788.953.99-145
New Auto - 84 Mo6.448.594.945.837.254.49-60
Used Auto - 24 Mo6.8910.624.495.457.794.49-144
Used Auto - 36 Mo7.2410.254.495.528.303.74-171
Used Auto - 48 Mo7.3210.254.745.587.793.89-174
Used Auto - 60 Mo7.3610.754.745.637.793.89-173
Used Auto - 72 Mo7.5410.035.495.979.254.19-157
Used Auto - 84 Mo6.628.594.946.107.754.49-52
Used Boat-60 Mo8.849.947.747.138.994.49-171
New Boat-60 Mo8.6212.755.997.5613.684.49-106
Rewards Credit Card17.3323.2411.7514.0218.008.90-332
Credit Card Platinum16.0118.4910.0012.1218.007.90-389
Credit Card Classic16.6129.247.4913.3819.909.00-323
Home Equity - LOC 80%7.579.306.506.979.305.25-60
Home Equity - 5 Yr 80%7.4510.355.887.029.995.58-43
Home Equity - 10 Yr 80%7.8110.506.007.249.505.44-56
Home Equity - 15 Yr 80%7.9211.006.137.599.755.99-33
7 Yr ARM6.7337.7505.3006.4967.0905.125-24
3 Yr ARM6.6497.6255.2506.2787.2834.750-37
5 Yr ARM6.6777.6255.2006.3827.0605.125-29
15 Yr Fixed6.0438.5405.1255.9667.0004.625-8
20 Yr Fixed6.1186.1555.8006.2066.6775.6869
30 Yr Fixed6.4367.5003.5006.3897.0015.490-5
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 Mo10.0910.199.996.799.254.49-330
New Motorcycle-60 Mo8.9710.197.746.519.184.49-246
Used Motorhome-60 Mo8.659.947.087.198.994.49-146
New Motorhome-60 Mo8.5612.755.997.5713.684.49-99
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.9118.996.4910.7317.906.99-118
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* Represents the difference in the average rate between banks and credit unions.