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 - $10k1.463.940.011.905.330.0544
6 Mo CD - $10k1.715.100.012.494.790.0578
9 Mo CD - $10k1.675.500.013.045.330.10137
1 Yr CD - $10k1.744.750.012.614.350.1087
18 Mo CD - $10k1.374.000.012.815.330.10144
2 Yr CD - $10k1.514.000.012.633.990.10112
30 Mo CD - $10k1.144.000.012.424.000.20129
3 Yr CD - $10k1.394.000.012.543.870.10115
4 Yr CD - $10k1.354.000.012.494.200.10113
5 Yr CD - $10k1.504.000.012.604.000.10110
3 Mo CD - $100k1.493.940.011.985.330.0549
6 Mo CD - $100k1.695.100.012.524.750.0583
9 Mo CD - $100k1.625.500.013.115.330.20149
1 Yr CD - $100k1.704.750.012.654.350.1095
18 Mo CD - $100k1.444.000.012.795.330.15135
2 Yr CD - $100k1.544.000.012.683.930.10114
30 Mo CD - $100k1.174.000.012.474.000.20130
3 Yr CD - $100k1.444.000.012.583.870.20114
4 Yr CD - $100k1.384.000.012.493.870.20111
5 Yr CD - $100k1.524.000.012.594.000.20108
Youth/Student Checking   0.100.100.10 
High Rate Checking1.354.000.012.847.000.15150
Basic Checking0.141.980.000.465.250.0132
HSA - $1k   0.010.010.01 
HSA - $10k   0.010.010.01 
HSA - $25k   0.010.010.01 
IRA - 1 Year - $10k1.513.940.012.544.350.10103
IRA - 1 Year - $100k2.113.900.012.544.350.1043
IRA - Liquid - $10k0.544.000.010.544.080.010
IRA - Liquid - $100k0.833.500.010.724.080.01-11
High Rate Money Market - $2.5k0.150.200.100.751.250.2560
Money Market - $2.5k0.493.920.010.552.780.016
Money Market - $10k0.563.920.010.632.780.017
High Rate Money Market - $10k0.593.000.021.503.400.1592
High Rate Money Market - $25k0.743.100.021.513.400.2077
Money Market - $25k0.753.920.010.732.780.01-2
Money Market - $50k0.843.920.010.822.780.01-2
High Rate Money Market - $50k0.743.100.021.903.400.20116
High Rate Money Market - $100k0.833.100.021.983.400.20115
Money Market - $100k0.963.920.010.932.780.01-3
Money Market - $250k1.033.930.011.013.250.01-2
High Rate Money Market - $250k0.913.100.052.223.500.20132
Money Market - $500k1.064.650.011.043.250.03-2
High Rate Money Market - $500k1.723.000.102.204.000.7548
High Rate Money Market - $1 million1.793.250.103.034.002.05124
Money Market - $1 million0.994.650.011.103.250.0311
Youth/Student Savings   5.005.005.00 
High Rate Savings1.453.650.022.075.000.0562
Regular Savings0.344.100.010.214.080.01-13
New Auto - 24 Mo6.528.994.995.037.593.49-149
New Auto - 36 Mo7.059.393.994.958.493.49-210
New Auto - 48 Mo7.089.393.995.108.493.59-198
New Auto - 60 Mo7.139.754.245.228.993.50-190
New Auto - 72 Mo7.3610.025.245.558.993.99-181
New Auto - 84 Mo7.289.995.896.067.994.49-122
Used Auto - 24 Mo6.838.995.225.367.593.49-146
Used Auto - 36 Mo7.379.395.225.269.003.74-211
Used Auto - 48 Mo7.449.755.225.399.003.99-205
Used Auto - 60 Mo7.469.755.225.529.004.00-194
Used Auto - 72 Mo7.5410.025.425.789.503.99-176
Used Auto - 84 Mo7.258.995.896.317.994.49-94
Used Boat-60 Mo8.529.995.997.4411.504.49-108
New Boat-60 Mo8.6913.495.007.1411.494.49-155
Rewards Credit Card18.1323.499.2513.1819.247.50-495
Credit Card Platinum16.9728.992.0012.1818.002.00-479
Credit Card Classic16.4728.245.9012.0628.244.99-441
Home Equity - LOC 80%7.289.775.006.9616.951.99-33
Home Equity - 5 Yr 80%6.9610.375.996.3811.004.00-57
Home Equity - 10 Yr 80%7.2310.365.996.6911.004.75-54
Home Equity - 15 Yr 80%7.4410.395.996.8911.253.75-55
7 Yr ARM6.3098.0005.2506.0817.5515.000-23
3 Yr ARM5.9426.9005.1256.2898.0004.75035
5 Yr ARM6.1427.7505.2505.9316.9194.900-21
15 Yr Fixed5.9657.2504.8755.7717.0004.750-19
20 Yr Fixed6.2047.1795.4876.2367.5005.5393
30 Yr Fixed6.3457.5005.6256.1077.5005.375-24
15 Yr Fixed-Jumbo5.9355.8235.8236.0095.8965.8967
20 Yr Fixed-Jumbo6.2446.1546.1546.1066.0166.016-14
7 Yr ARM-Jumbo6.1266.0586.058 
5 Yr ARM-Jumbo6.2066.1386.138 
30 Yr Fixed-Jumbo6.4286.3596.3596.4446.3756.3752
Used Motorcycle-60 Mo7.839.006.197.1410.394.49-69
New Motorcycle-60 Mo7.439.005.696.759.894.49-68
Used Motorhome-60 Mo8.659.996.247.5410.744.49-112
New Motorhome-60 Mo8.5913.495.007.2011.744.49-139
Student Loan-10 Year5.855.855.85    
Unsecured - 36 Mo11.1618.256.749.5218.002.75-164
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* Represents the difference in the average rate between banks and credit unions.