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 - $10k1.073.300.010.893.550.10-18
6 Mo CD - $10k1.473.900.011.674.150.1020
9 Mo CD - $10k1.523.850.011.823.750.4031
1 Yr CD - $10k1.684.500.012.114.250.1542
18 Mo CD - $10k1.673.500.012.354.420.4068
2 Yr CD - $10k1.773.590.012.033.700.2526
30 Mo CD - $10k1.813.500.011.943.750.6013
3 Yr CD - $10k1.683.500.012.043.680.3036
4 Yr CD - $10k1.693.550.012.044.200.7536
5 Yr CD - $10k1.733.700.012.334.000.3560
3 Mo CD - $100k1.113.500.010.933.550.10-18
6 Mo CD - $100k1.463.990.011.734.250.1527
9 Mo CD - $100k1.603.850.011.863.750.5026
1 Yr CD - $100k1.714.500.012.184.250.3046
18 Mo CD - $100k1.683.500.012.464.420.4078
2 Yr CD - $100k1.753.600.012.113.700.5036
30 Mo CD - $100k1.853.500.011.843.750.60-1
3 Yr CD - $100k1.703.500.012.123.680.6043
4 Yr CD - $100k1.753.600.012.083.700.7533
5 Yr CD - $100k1.773.750.012.434.200.7066
High Rate Checking   3.866.250.15 
Basic Checking0.282.000.010.775.000.0149
IRA - 1 Year - $10k1.774.000.032.014.250.1524
IRA - 1 Year - $100k1.501.501.502.114.250.3561
IRA - Liquid - $10k0.762.720.010.572.750.10-19
IRA - Liquid - $100k0.010.010.010.360.750.1035
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.652.650.010.563.150.05-9
Money Market - $10k0.682.750.010.583.150.05-10
High Rate Money Market - $10k1.051.750.500.902.960.10-15
High Rate Money Market - $25k1.051.750.501.683.150.2563
Money Market - $25k0.752.750.010.623.200.05-13
Money Market - $50k0.782.750.010.683.200.05-10
High Rate Money Market - $50k1.222.250.501.703.200.2549
High Rate Money Market - $100k1.382.500.501.963.250.4058
Money Market - $100k0.963.000.010.823.200.05-13
Money Market - $250k1.043.930.011.073.200.053
High Rate Money Market - $250k1.703.000.502.003.350.4030
Money Market - $500k1.022.850.051.163.200.2515
High Rate Money Market - $500k   1.751.851.65 
High Rate Money Market - $1 million   1.852.051.65 
Money Market - $1 million1.022.850.051.163.200.2515
High Rate Savings1.142.250.021.201.401.006
Regular Savings0.342.700.010.190.750.01-16
New Auto - 24 Mo5.995.995.994.485.493.89-151
New Auto - 36 Mo7.1110.004.004.806.993.49-231
New Auto - 48 Mo7.1410.994.255.026.993.99-212
New Auto - 60 Mo7.2610.994.755.507.753.99-176
New Auto - 72 Mo7.2410.995.205.898.253.99-136
New Auto - 84 Mo5.995.995.995.746.994.49-25
Used Auto - 24 Mo5.995.995.994.895.893.99-110
Used Auto - 36 Mo7.9312.005.005.116.993.49-282
Used Auto - 48 Mo7.9812.005.005.346.994.25-265
Used Auto - 60 Mo8.0012.005.745.807.754.49-219
Used Auto - 72 Mo7.198.006.506.198.254.49-99
Used Auto - 84 Mo5.995.995.996.087.504.499
Used Boat-60 Mo   7.4510.355.49 
New Boat-60 Mo7.9110.755.707.2710.354.49-64
Rewards Credit Card16.5523.249.7514.1218.498.25-244
Credit Card Platinum16.0418.499.9012.1517.748.90-389
Credit Card Classic15.9028.249.9613.3318.008.95-258
Home Equity - LOC 80%7.609.005.497.5712.496.00-3
Home Equity - 5 Yr 80%8.158.996.755.958.243.75-220
Home Equity - 10 Yr 80%7.579.255.756.068.243.75-151
Home Equity - 15 Yr 80%7.969.255.756.258.244.25-172
7 Yr ARM7.1617.0897.0895.9976.6915.125-116
3 Yr ARM6.1668.0004.750 
5 Yr ARM5.9966.3005.375 
15 Yr Fixed6.2597.8755.2506.2637.2505.0000
20 Yr Fixed6.1956.1056.1055.9126.1215.686-28
30 Yr Fixed6.5267.5005.8756.4427.5005.614-8
Used Motorcycle-60 Mo   7.4410.355.49 
New Motorcycle-60 Mo   7.0510.354.49 
Used Motorhome-60 Mo   7.4510.105.49 
New Motorhome-60 Mo7.9710.505.707.2510.104.49-71
Unsecured - 36 Mo11.2314.255.0010.5814.756.99-65
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* Represents the difference in the average rate between banks and credit unions.