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 - $10k1.613.940.053.295.001.01169
6 Mo CD - $10k2.163.940.053.435.001.51127
9 Mo CD - $10k1.803.600.043.633.943.50184
1 Yr CD - $10k2.353.940.043.283.952.0093
18 Mo CD - $10k2.113.620.053.133.681.75102
2 Yr CD - $10k2.343.500.053.033.681.5068
30 Mo CD - $10k2.143.470.083.473.702.97134
3 Yr CD - $10k2.353.500.082.843.801.2549
4 Yr CD - $10k2.333.500.102.713.681.0038
5 Yr CD - $10k2.323.600.102.743.801.0042
3 Mo CD - $100k1.663.940.053.325.001.01166
6 Mo CD - $100k2.223.940.053.465.001.51124
9 Mo CD - $100k2.013.690.043.633.943.50162
1 Yr CD - $100k2.423.940.043.313.952.0089
18 Mo CD - $100k2.213.620.053.133.681.7592
2 Yr CD - $100k2.383.500.053.043.681.5066
30 Mo CD - $100k2.123.470.083.473.702.97136
3 Yr CD - $100k2.393.500.082.873.801.2548
4 Yr CD - $100k2.353.500.102.743.681.0040
5 Yr CD - $100k2.373.600.102.773.801.0040
High Rate Checking3.003.003.005.005.005.00200
Basic Checking0.191.980.010.090.250.01-10
IRA - 1 Year - $10k2.363.940.043.083.790.2572
IRA - 1 Year - $100k1.072.000.042.413.550.25134
IRA - Liquid - $10k1.424.170.011.052.530.05-37
IRA - Liquid - $100k0.892.500.010.771.760.20-12
Money Market - $2.5k0.461.980.011.002.950.2554
Money Market - $10k0.562.470.010.881.750.3531
High Rate Money Market - $10k0.510.750.08    
High Rate Money Market - $25k1.173.560.10    
Money Market - $25k0.732.960.011.042.050.5031
Money Market - $50k0.883.540.011.192.050.5030
High Rate Money Market - $50k1.173.560.10    
High Rate Money Market - $100k1.293.560.10    
Money Market - $100k1.153.540.051.362.490.5021
Money Market - $250k1.323.540.051.492.500.5017
High Rate Money Market - $250k0.972.550.10    
Money Market - $500k0.712.300.022.082.501.25137
High Rate Money Market - $500k0.250.250.25    
High Rate Money Market - $1 million0.250.250.25    
Money Market - $1 million0.712.300.022.082.501.25137
High Rate Savings0.060.150.022.933.002.85286
Regular Savings0.343.250.010.211.000.05-13
New Auto - 24 Mo6.328.595.384.785.593.99-154
New Auto - 36 Mo7.3610.755.005.297.993.99-207
New Auto - 48 Mo7.4010.755.005.377.994.20-203
New Auto - 60 Mo7.5110.755.005.437.994.20-208
New Auto - 72 Mo7.5210.755.005.637.994.20-188
New Auto - 84 Mo7.178.595.745.295.744.85-187
Used Auto - 24 Mo7.4410.035.384.785.593.99-265
Used Auto - 36 Mo7.5711.505.005.327.993.99-225
Used Auto - 48 Mo7.6211.505.385.397.994.20-223
Used Auto - 60 Mo7.7111.505.385.457.994.20-226
Used Auto - 72 Mo7.7410.755.505.667.994.20-208
Used Auto - 84 Mo7.178.595.745.295.744.85-187
Used Boat-60 Mo9.299.299.296.317.994.50-298
New Boat-60 Mo7.9611.285.006.558.254.50-140
Rewards Credit Card17.6229.909.9912.2717.748.88-535
Credit Card Platinum16.5319.4912.4912.4317.247.00-409
Credit Card Classic17.7129.9012.9012.5617.008.90-515
Home Equity - LOC 80%8.0710.256.507.058.005.75-102
Home Equity - 5 Yr 80%6.989.755.257.788.407.2579
Home Equity - 10 Yr 80%7.729.927.008.218.548.0050
Home Equity - 15 Yr 80%8.2510.116.008.519.508.0026
7 Yr ARM6.4267.0895.6256.9466.8756.87552
3 Yr ARM7.5757.4007.400 
5 Yr ARM6.9697.6255.5007.4487.3757.37548
15 Yr Fixed6.1557.0005.1255.9496.8755.250-21
20 Yr Fixed5.7625.8005.547 
30 Yr Fixed6.6127.0005.8756.5067.5005.990-11
Used Motorcycle-60 Mo   4.885.254.50 
New Motorcycle-60 Mo   4.885.254.50 
Used Motorhome-60 Mo9.299.299.295.667.254.50-363
New Motorhome-60 Mo8.0811.285.006.478.254.50-161
Unsecured - 36 Mo10.9615.506.0011.2015.008.5024
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* Represents the difference in the average rate between banks and credit unions.