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.

Sort by Product  / State

Florida

National
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.603.830.011.955.330.0235
6 Mo CD - $10k2.014.200.012.734.500.0373
9 Mo CD - $10k1.504.150.013.275.330.05177
1 Yr CD - $10k2.104.500.013.004.200.0590
18 Mo CD - $10k1.904.750.013.005.330.03109
2 Yr CD - $10k1.794.060.012.984.000.05119
30 Mo CD - $10k1.333.620.012.594.500.05126
3 Yr CD - $10k1.684.060.012.904.020.10122
4 Yr CD - $10k1.664.060.012.934.200.10127
5 Yr CD - $10k1.694.110.012.913.870.10122
3 Mo CD - $100k1.613.830.012.025.330.0241
6 Mo CD - $100k2.024.250.012.754.500.0373
9 Mo CD - $100k1.514.150.013.305.330.05179
1 Yr CD - $100k2.134.500.013.034.200.0590
18 Mo CD - $100k1.874.010.013.025.330.03115
2 Yr CD - $100k1.854.060.013.014.060.05116
30 Mo CD - $100k1.383.720.012.653.800.05127
3 Yr CD - $100k1.714.060.012.934.060.10122
4 Yr CD - $100k1.664.060.012.954.060.10129
5 Yr CD - $100k1.714.110.012.934.060.10123
High Rate Checking1.437.000.013.315.120.05188
Basic Checking0.121.150.010.223.040.0110
IRA - 1 Year - $10k1.964.120.013.014.750.05105
IRA - 1 Year - $100k1.983.800.013.2310.650.10125
IRA - Liquid - $10k0.393.020.010.584.080.0120
IRA - Liquid - $100k1.253.490.010.614.080.01-64
High Rate Money Market - $2.5k0.300.300.300.581.050.2528
Money Market - $2.5k0.493.750.010.663.690.0117
Money Market - $10k0.553.800.010.723.250.0117
High Rate Money Market - $10k0.993.750.010.983.000.250
High Rate Money Market - $25k1.173.750.011.443.500.2527
Money Market - $25k0.694.010.010.813.250.0112
Money Market - $50k0.904.010.010.903.250.010
High Rate Money Market - $50k1.253.750.011.423.500.2517
High Rate Money Market - $100k1.403.830.011.583.500.4518
Money Market - $100k1.054.260.011.083.250.013
Money Market - $250k1.194.260.011.203.250.012
High Rate Money Market - $250k1.463.830.011.783.500.4532
Money Market - $500k0.733.800.011.313.500.0158
High Rate Money Market - $500k2.552.552.552.033.500.75-53
High Rate Money Market - $1 million2.552.552.552.083.500.75-48
Money Market - $1 million0.743.800.011.334.050.0159
Youth/Student Savings   0.250.250.25 
High Rate Savings1.563.900.022.085.000.1051
Regular Savings0.355.000.010.195.000.01-15
New Auto - 24 Mo6.8010.174.944.676.542.99-213
New Auto - 36 Mo6.9412.002.994.756.542.99-218
New Auto - 48 Mo6.9712.502.994.939.242.99-204
New Auto - 60 Mo7.0713.252.995.069.242.99-202
New Auto - 72 Mo6.8710.702.995.236.992.99-164
New Auto - 84 Mo6.538.994.945.627.742.99-91
Used Auto - 24 Mo7.0410.624.944.957.042.99-208
Used Auto - 36 Mo7.2113.002.995.089.492.99-213
Used Auto - 48 Mo7.3111.502.995.237.042.99-208
Used Auto - 60 Mo7.2011.252.995.357.142.99-184
Used Auto - 72 Mo7.0710.622.995.557.752.99-152
Used Auto - 84 Mo6.738.994.945.787.992.99-95
Used Boat-60 Mo7.999.846.247.3011.242.99-69
New Boat-60 Mo8.3810.752.997.0411.792.99-134
Rewards Credit Card16.9723.248.5013.5819.248.50-338
Credit Card Platinum15.9421.247.5012.0418.007.50-390
Credit Card Classic15.9928.249.7413.2523.997.00-274
Home Equity - LOC 80%7.4311.755.496.8818.004.99-55
Home Equity - 5 Yr 80%7.4210.055.636.569.004.50-86
Home Equity - 10 Yr 80%7.469.925.886.849.555.25-62
Home Equity - 15 Yr 80%7.328.676.137.099.255.32-23
7 Yr ARM6.0337.5001.0005.8397.1631.000-19
3 Yr ARM5.7797.7071.0005.6268.1251.000-15
5 Yr ARM6.4228.1535.5005.8746.9192.875-55
15 Yr Fixed5.9037.1504.8755.8476.8314.000-6
20 Yr Fixed5.9696.2475.4185.9996.7503.3753
30 Yr Fixed6.3737.2005.5006.2737.0005.500-10
15 Yr Fixed-Jumbo5.9375.8255.8256.0986.9155.29016
20 Yr Fixed-Jumbo6.3546.2636.2635.9975.9075.907-36
7 Yr ARM-Jumbo6.1506.0826.0826.0325.9655.965-12
5 Yr ARM-Jumbo6.2636.1956.1956.3336.3756.1547
30 Yr Fixed-Jumbo6.4146.3456.3456.2566.5005.930-16
Used Motorcycle-60 Mo10.9910.9910.997.2611.992.99-373
New Motorcycle-60 Mo9.999.999.996.9411.992.99-305
Used Motorhome-60 Mo8.179.847.087.2810.992.99-90
New Motorhome-60 Mo8.3511.502.997.1111.792.99-124
Unsecured - 36 Mo12.1819.756.7410.5118.006.00-167
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.