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 - $10k1.873.830.011.945.330.057
6 Mo CD - $10k1.694.050.012.414.050.0172
9 Mo CD - $10k2.004.000.012.625.330.0562
1 Yr CD - $10k1.834.000.012.654.250.0582
18 Mo CD - $10k1.654.000.012.855.330.10120
2 Yr CD - $10k1.893.950.012.643.900.1074
30 Mo CD - $10k0.843.810.012.423.850.45158
3 Yr CD - $10k1.463.900.012.653.850.15119
4 Yr CD - $10k1.483.850.012.784.200.20130
5 Yr CD - $10k1.513.900.012.863.970.25135
3 Mo CD - $100k1.893.830.012.095.330.0519
6 Mo CD - $100k1.694.050.012.484.150.0178
9 Mo CD - $100k2.004.000.012.645.330.0564
1 Yr CD - $100k1.834.000.012.744.250.0590
18 Mo CD - $100k1.664.000.012.885.330.10122
2 Yr CD - $100k1.903.950.012.683.900.1078
30 Mo CD - $100k0.863.810.012.523.850.45166
3 Yr CD - $100k1.473.900.012.703.850.15123
4 Yr CD - $100k1.513.850.012.813.850.20131
5 Yr CD - $100k1.483.900.012.904.180.25142
High Rate Checking0.020.030.013.415.500.35339
Basic Checking0.121.390.010.315.250.0120
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.773.810.012.704.250.0192
IRA - 1 Year - $100k2.503.800.012.964.000.0146
IRA - Liquid - $10k0.503.630.010.554.080.015
IRA - Liquid - $100k1.703.900.010.694.080.01-101
High Rate Money Market - $2.5k0.100.100.100.751.250.2565
Money Market - $2.5k0.392.810.010.783.500.0139
Money Market - $10k0.492.860.010.874.000.0138
High Rate Money Market - $10k0.922.960.100.601.250.25-32
High Rate Money Market - $25k1.082.980.031.553.150.2547
Money Market - $25k0.704.000.011.024.000.0132
Money Market - $50k0.764.000.011.104.000.0134
High Rate Money Market - $50k1.213.130.031.573.200.2536
High Rate Money Market - $100k1.283.130.032.183.251.5590
Money Market - $100k0.884.000.011.173.930.0129
Money Market - $250k0.974.000.011.263.930.0129
High Rate Money Market - $250k1.873.130.052.833.501.6596
Money Market - $500k1.194.000.031.193.250.051
High Rate Money Market - $500k0.100.100.102.934.001.85283
High Rate Money Market - $1 million0.100.100.103.034.002.05293
Money Market - $1 million1.264.000.031.203.250.05-6
High Rate Savings1.763.650.022.215.000.0546
Regular Savings0.233.650.010.254.080.011
New Auto - 24 Mo6.218.994.994.896.243.74-132
New Auto - 36 Mo6.959.254.994.966.243.74-199
New Auto - 48 Mo7.049.254.995.076.243.99-197
New Auto - 60 Mo7.159.254.995.196.503.50-195
New Auto - 72 Mo7.009.005.245.587.953.99-141
New Auto - 84 Mo7.448.995.895.897.254.24-155
Used Auto - 24 Mo6.658.995.645.256.994.24-141
Used Auto - 36 Mo7.4510.504.995.286.993.99-217
Used Auto - 48 Mo7.5310.504.995.416.993.99-212
Used Auto - 60 Mo7.0210.504.995.526.993.99-150
Used Auto - 72 Mo6.9710.505.245.817.803.99-116
Used Auto - 84 Mo7.448.995.896.198.134.24-125
Used Boat-60 Mo   8.0814.494.49 
New Boat-60 Mo8.4611.256.247.4613.494.49-100
Rewards Credit Card17.6223.2413.4914.4018.009.00-322
Credit Card Platinum16.7819.4912.9012.8018.008.90-398
Credit Card Classic16.0320.995.9013.3727.748.00-266
Home Equity - LOC 80%7.229.135.996.637.750.25-59
Home Equity - 5 Yr 80%6.919.005.746.268.134.25-65
Home Equity - 10 Yr 80%7.169.256.246.608.384.99-56
Home Equity - 15 Yr 80%7.499.506.747.0710.005.00-42
7 Yr ARM6.2237.0895.7106.2437.6825.1252
3 Yr ARM5.7536.1455.2506.1137.7624.75036
5 Yr ARM5.8276.7505.2506.0747.7133.14225
15 Yr Fixed5.7457.2504.8755.6826.8753.000-6
20 Yr Fixed6.0276.1555.5476.0286.5405.2500
30 Yr Fixed6.2648.0005.6256.1357.0005.375-13
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 Mo   7.6012.994.24 
New Motorcycle-60 Mo   7.1612.394.24 
Used Motorhome-60 Mo8.138.138.137.9414.494.49-19
New Motorhome-60 Mo8.3711.256.247.4813.994.49-89
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.6216.756.4910.1614.996.74-146
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* Represents the difference in the average rate between banks and credit unions.