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 - $10k1.234.110.012.134.100.0590
6 Mo CD - $10k1.854.350.012.894.150.15104
9 Mo CD - $10k1.674.000.013.333.840.80166
1 Yr CD - $10k2.155.000.013.154.150.25100
18 Mo CD - $10k1.853.750.013.044.000.50119
2 Yr CD - $10k1.903.750.012.853.750.3094
30 Mo CD - $10k1.623.940.012.753.920.30113
3 Yr CD - $10k1.883.750.012.813.700.3092
4 Yr CD - $10k1.843.750.012.844.200.30100
5 Yr CD - $10k1.843.850.012.903.650.50105
3 Mo CD - $100k1.294.110.012.254.200.0596
6 Mo CD - $100k1.864.350.012.934.350.15107
9 Mo CD - $100k1.694.000.013.343.840.80165
1 Yr CD - $100k2.205.000.013.284.150.25109
18 Mo CD - $100k1.903.940.013.054.000.50115
2 Yr CD - $100k1.923.750.012.963.750.30104
30 Mo CD - $100k1.533.920.012.723.920.30119
3 Yr CD - $100k1.893.750.012.913.700.30102
4 Yr CD - $100k1.833.750.012.853.700.30102
5 Yr CD - $100k1.853.850.012.943.850.50109
High Rate Checking0.100.250.012.685.000.03259
Basic Checking0.192.000.000.143.000.01-5
IRA - 1 Year - $10k1.964.250.013.194.050.25123
IRA - 1 Year - $100k1.823.800.013.484.051.61166
IRA - Liquid - $10k0.373.500.010.604.080.0124
IRA - Liquid - $100k1.182.000.010.744.080.01-44
High Rate Money Market - $2.5k   0.651.050.25 
Money Market - $2.5k0.524.000.010.693.150.0517
Money Market - $10k0.614.000.010.853.150.0524
High Rate Money Market - $10k1.213.200.100.741.300.25-47
High Rate Money Market - $25k1.273.200.101.763.500.2549
Money Market - $25k0.704.000.011.053.250.0535
Money Market - $50k0.824.000.011.255.000.0543
High Rate Money Market - $50k1.313.200.101.803.500.2550
High Rate Money Market - $100k1.583.200.102.193.501.0561
Money Market - $100k1.004.000.011.515.000.0551
Money Market - $250k1.174.000.011.635.000.0546
High Rate Money Market - $250k1.733.200.102.483.501.0976
Money Market - $500k0.762.300.011.615.000.0585
High Rate Money Market - $500k   2.683.501.85 
High Rate Money Market - $1 million   2.783.502.05 
Money Market - $1 million0.772.300.011.655.000.0588
High Rate Savings0.903.500.022.546.170.10164
Regular Savings0.304.350.010.244.080.01-5
New Auto - 24 Mo5.445.994.944.6913.252.50-75
New Auto - 36 Mo7.2612.003.904.5513.252.50-270
New Auto - 48 Mo7.3112.503.904.6013.252.50-272
New Auto - 60 Mo7.3413.253.904.6913.252.50-264
New Auto - 72 Mo6.8410.503.904.846.742.99-201
New Auto - 84 Mo5.475.994.945.489.753.592
Used Auto - 24 Mo5.495.994.945.0410.592.70-45
Used Auto - 36 Mo7.6513.003.904.9610.592.70-269
Used Auto - 48 Mo7.6111.003.905.0710.592.70-253
Used Auto - 60 Mo7.4811.253.905.1910.592.70-229
Used Auto - 72 Mo6.9710.503.905.4311.493.59-154
Used Auto - 84 Mo5.475.994.945.8412.193.5937
Used Boat-60 Mo7.837.837.837.3311.244.49-50
New Boat-60 Mo8.5311.505.757.0310.994.45-150
Rewards Credit Card16.5923.2411.2413.6519.497.90-294
Credit Card Platinum15.8918.499.5013.2018.246.75-269
Credit Card Classic16.7928.249.7415.1122.247.90-168
Home Equity - LOC 80%7.4211.755.496.848.755.75-57
Home Equity - 5 Yr 80%7.6610.055.996.7010.504.67-96
Home Equity - 10 Yr 80%8.109.926.006.8710.505.40-123
Home Equity - 15 Yr 80%7.508.816.006.9610.505.50-54
7 Yr ARM6.1127.2705.0665.8867.4535.066-23
3 Yr ARM6.7217.0206.1165.9687.0004.750-75
5 Yr ARM6.4228.1534.9425.9837.2504.875-44
15 Yr Fixed6.1277.5005.1005.7827.5004.750-34
20 Yr Fixed5.8666.1555.5476.0246.6775.41816
30 Yr Fixed6.4877.3755.6256.1647.3755.614-32
15 Yr Fixed-Jumbo5.9355.8235.8235.4065.3005.290-53
20 Yr Fixed-Jumbo6.2446.1546.1545.8705.9075.655-37
7 Yr ARM-Jumbo6.1266.0586.0585.9755.9085.908-15
5 Yr ARM-Jumbo6.2066.1386.1386.1176.0496.049-9
30 Yr Fixed-Jumbo6.4286.3596.3596.0866.1345.903-34
Used Motorcycle-60 Mo   7.3510.294.49 
New Motorcycle-60 Mo   7.019.294.49 
Used Motorhome-60 Mo7.087.087.087.2810.744.4920
New Motorhome-60 Mo8.4512.255.757.0612.004.45-139
Student Loan-10 Year   6.256.256.25 
Unsecured - 36 Mo10.7715.506.2510.2014.996.74-58
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* Represents the difference in the average rate between banks and credit unions.