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 - $10k0.944.100.011.583.650.0564
6 Mo CD - $10k1.514.260.012.644.030.05112
9 Mo CD - $10k2.084.250.013.113.751.44103
1 Yr CD - $10k1.644.100.012.874.220.10123
18 Mo CD - $10k1.524.000.012.833.700.20130
2 Yr CD - $10k1.634.100.012.794.200.20116
30 Mo CD - $10k1.534.100.012.894.500.90137
3 Yr CD - $10k1.544.100.012.803.700.30126
4 Yr CD - $10k1.604.000.012.994.200.30139
5 Yr CD - $10k1.594.000.013.154.100.80156
3 Mo CD - $100k0.984.400.011.583.650.0560
6 Mo CD - $100k1.484.260.012.654.030.05117
9 Mo CD - $100k2.134.250.013.133.751.44100
1 Yr CD - $100k1.694.100.012.884.220.10119
18 Mo CD - $100k1.564.000.012.833.700.20127
2 Yr CD - $100k1.654.100.012.804.200.20115
30 Mo CD - $100k1.484.100.013.094.501.50161
3 Yr CD - $100k1.544.100.012.813.700.30127
4 Yr CD - $100k1.614.000.012.983.800.30137
5 Yr CD - $100k1.634.000.013.184.100.80155
High Rate Checking0.060.150.013.526.002.25345
Basic Checking0.143.000.010.151.000.011
IRA - 1 Year - $10k1.584.180.012.884.220.10130
IRA - 1 Year - $100k2.153.570.013.003.852.0086
IRA - Liquid - $10k0.453.250.010.442.300.010
IRA - Liquid - $100k1.252.000.500.280.750.01-97
High Rate Money Market - $2.5k0.750.750.750.250.250.25-50
Money Market - $2.5k0.313.750.010.973.150.0567
Money Market - $10k0.383.750.010.993.150.0562
High Rate Money Market - $10k1.303.900.250.712.000.25-60
High Rate Money Market - $25k1.353.900.351.353.150.250
Money Market - $25k0.483.750.011.123.150.1064
Money Market - $50k0.553.600.011.253.150.1570
High Rate Money Market - $50k1.423.900.501.473.200.255
High Rate Money Market - $100k1.613.900.751.743.250.7013
Money Market - $100k0.743.750.011.443.500.1570
Money Market - $250k0.804.000.011.663.500.1586
High Rate Money Market - $250k1.633.900.751.953.350.8031
Money Market - $500k0.331.000.011.363.000.25103
High Rate Money Market - $500k0.750.750.751.431.850.8068
High Rate Money Market - $1 million0.750.750.751.502.050.8075
Money Market - $1 million0.331.000.011.433.000.25110
High Rate Savings0.521.500.023.503.503.50298
Regular Savings0.171.140.010.160.750.01-1
New Auto - 24 Mo6.4310.174.944.935.953.89-150
New Auto - 36 Mo7.2510.595.005.136.743.49-213
New Auto - 48 Mo7.2910.595.005.206.743.75-209
New Auto - 60 Mo7.3210.595.135.387.003.99-194
New Auto - 72 Mo7.4810.595.495.707.953.99-177
New Auto - 84 Mo6.197.244.945.757.193.99-43
Used Auto - 24 Mo6.6410.624.945.216.253.99-142
Used Auto - 36 Mo7.5911.505.005.327.503.49-227
Used Auto - 48 Mo7.7111.505.005.417.503.75-231
Used Auto - 60 Mo7.6911.505.385.607.503.99-209
Used Auto - 72 Mo7.7010.595.495.897.953.99-182
Used Auto - 84 Mo6.067.244.946.117.753.995
Used Boat-60 Mo8.899.947.837.8811.505.74-100
New Boat-60 Mo8.5412.255.497.4710.595.39-107
Rewards Credit Card17.1118.999.9912.9218.008.90-418
Credit Card Platinum15.8618.749.7411.0617.996.90-480
Credit Card Classic15.6129.249.7412.9218.007.99-269
Home Equity - LOC 80%7.4811.756.757.7318.004.9925
Home Equity - 5 Yr 80%7.799.145.386.879.244.25-92
Home Equity - 10 Yr 80%8.1710.906.507.0810.244.25-110
Home Equity - 15 Yr 80%8.019.006.507.399.254.25-62
7 Yr ARM6.8918.5005.5005.8277.2852.875-106
3 Yr ARM7.0848.6904.7406.1127.5104.625-97
5 Yr ARM7.0878.9905.3755.9306.5264.875-116
15 Yr Fixed6.17410.8505.1005.7916.5274.750-38
20 Yr Fixed6.1126.2045.7296.0566.3855.735-6
30 Yr Fixed6.60111.4505.8756.2087.3445.375-39
15 Yr Fixed-Jumbo5.9355.8235.8235.5115.4005.400-42
20 Yr Fixed-Jumbo6.2446.1546.1545.7345.6455.645-51
7 Yr ARM-Jumbo6.1266.0586.058 
5 Yr ARM-Jumbo6.2066.1386.138 
30 Yr Fixed-Jumbo6.4286.3596.3596.0836.0156.015-35
Used Motorcycle-60 Mo10.1910.1910.197.6610.055.49-253
New Motorcycle-60 Mo10.1910.1910.197.388.954.49-281
Used Motorhome-60 Mo8.519.947.087.8410.505.74-67
New Motorhome-60 Mo8.4812.255.497.4610.595.39-102
Unsecured - 36 Mo11.0617.007.7510.6713.507.99-39
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* Represents the difference in the average rate between banks and credit unions.