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 - $10k1.135.500.011.805.330.1067
6 Mo CD - $10k1.523.900.012.734.250.10121
9 Mo CD - $10k1.695.500.013.205.331.25151
1 Yr CD - $10k1.614.500.013.174.060.10156
18 Mo CD - $10k1.585.500.013.165.330.18158
2 Yr CD - $10k1.353.750.013.174.550.25182
30 Mo CD - $10k1.235.500.012.934.001.90170
3 Yr CD - $10k1.365.500.013.104.600.35174
4 Yr CD - $10k1.315.500.013.164.202.00185
5 Yr CD - $10k1.445.500.013.154.000.70171
3 Mo CD - $100k1.155.500.011.995.330.1084
6 Mo CD - $100k1.533.900.012.704.250.12116
9 Mo CD - $100k1.775.500.013.205.331.25143
1 Yr CD - $100k1.684.500.013.204.060.18151
18 Mo CD - $100k1.615.500.013.155.330.18155
2 Yr CD - $100k1.423.750.013.174.550.30175
30 Mo CD - $100k1.265.500.012.964.001.95171
3 Yr CD - $100k1.375.500.013.094.600.40172
4 Yr CD - $100k1.365.500.013.164.002.00180
5 Yr CD - $100k1.465.500.013.164.180.75170
High Rate Checking0.020.030.012.805.000.05278
Basic Checking0.081.000.010.091.000.011
HSA - $1k   0.511.000.01 
HSA - $10k   0.511.000.01 
HSA - $25k   0.511.000.01 
IRA - 1 Year - $10k1.423.800.013.234.320.10182
IRA - 1 Year - $100k2.573.801.503.294.321.3072
IRA - Liquid - $10k0.272.470.011.253.780.0198
IRA - Liquid - $100k1.042.000.011.033.560.01-1
High Rate Money Market - $2.5k   1.161.980.25 
Money Market - $2.5k0.463.250.011.114.000.0164
Money Market - $10k0.563.250.011.153.150.0160
High Rate Money Market - $10k0.503.440.011.363.150.2586
High Rate Money Market - $25k0.533.200.031.463.150.2594
Money Market - $25k0.623.250.011.243.150.0162
Money Market - $50k0.693.250.011.383.150.0169
High Rate Money Market - $50k0.553.200.051.553.150.25101
High Rate Money Market - $100k0.663.200.141.923.400.75126
Money Market - $100k0.793.250.011.553.400.0176
Money Market - $250k0.883.250.011.673.930.0579
High Rate Money Market - $250k0.663.200.142.213.650.75155
Money Market - $500k0.853.000.011.863.650.05101
High Rate Money Market - $500k   2.614.001.85 
High Rate Money Market - $1 million   2.684.001.98 
Money Market - $1 million0.853.000.011.863.650.05101
High Rate Savings1.193.500.021.833.400.1564
Regular Savings0.173.800.010.222.250.015
New Auto - 24 Mo6.238.994.944.726.493.74-151
New Auto - 36 Mo7.2213.275.344.857.003.74-237
New Auto - 48 Mo7.219.255.344.957.003.99-226
New Auto - 60 Mo7.2410.505.345.067.003.99-217
New Auto - 72 Mo7.2510.505.655.277.003.99-198
New Auto - 84 Mo6.458.994.945.556.943.99-91
Used Auto - 24 Mo6.278.994.945.176.993.99-110
Used Auto - 36 Mo7.6113.775.495.319.753.99-230
Used Auto - 48 Mo7.6411.005.495.409.753.99-224
Used Auto - 60 Mo7.7411.255.495.509.753.99-224
Used Auto - 72 Mo7.1010.275.745.729.753.99-138
Used Auto - 84 Mo6.458.994.945.746.493.99-71
Used Boat-60 Mo7.837.837.837.3211.505.49-51
New Boat-60 Mo8.4011.505.507.3010.504.49-111
Rewards Credit Card17.3723.2414.4513.2818.498.90-410
Credit Card Platinum16.1219.4912.4912.1717.997.50-395
Credit Card Classic16.3428.249.7412.6127.745.99-373
Home Equity - LOC 80%7.6911.755.497.109.250.25-59
Home Equity - 5 Yr 80%6.698.395.596.937.845.6424
Home Equity - 10 Yr 80%6.587.745.697.109.756.1452
Home Equity - 15 Yr 80%6.617.845.797.118.246.2450
7 Yr ARM6.6517.0896.0606.0137.0575.125-64
3 Yr ARM6.9907.6305.8756.0828.0004.750-91
5 Yr ARM6.6957.8105.8425.9127.0434.640-78
15 Yr Fixed6.2487.2505.0005.8206.5004.625-43
20 Yr Fixed6.4056.8195.9696.0236.5405.686-38
30 Yr Fixed6.6967.6255.7506.2737.5005.375-42
15 Yr Fixed-Jumbo5.7655.6535.653 
20 Yr Fixed-Jumbo6.2196.1296.129 
7 Yr ARM-Jumbo5.9955.9285.928 
5 Yr ARM-Jumbo6.1526.0846.084 
30 Yr Fixed-Jumbo6.3116.2426.242 
Used Motorcycle-60 Mo   6.8010.494.24 
New Motorcycle-60 Mo   6.4410.494.24 
Used Motorhome-60 Mo7.087.087.087.1810.505.3410
New Motorhome-60 Mo8.4111.505.507.3110.504.49-110
Unsecured - 36 Mo11.6817.277.9911.1118.006.74-56
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* Represents the difference in the average rate between banks and credit unions.