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 - $10k1.613.730.012.303.500.2069
6 Mo CD - $10k1.924.000.012.243.900.2532
9 Mo CD - $10k1.684.250.012.384.750.2570
1 Yr CD - $10k1.923.850.012.263.600.3535
18 Mo CD - $10k1.563.450.012.213.350.3566
2 Yr CD - $10k1.463.680.012.373.250.4091
30 Mo CD - $10k0.783.450.012.043.250.40125
3 Yr CD - $10k1.163.750.012.313.300.60115
4 Yr CD - $10k1.073.300.012.373.350.60129
5 Yr CD - $10k1.213.350.012.453.400.75124
3 Mo CD - $100k1.613.730.012.393.750.2077
6 Mo CD - $100k1.924.000.012.253.900.2534
9 Mo CD - $100k1.684.250.012.404.750.2572
1 Yr CD - $100k1.923.850.012.283.600.3536
18 Mo CD - $100k1.655.050.012.233.500.3558
2 Yr CD - $100k1.463.680.012.433.250.4097
30 Mo CD - $100k0.943.600.011.983.250.40104
3 Yr CD - $100k1.153.350.012.323.300.60118
4 Yr CD - $100k1.103.300.012.393.500.60129
5 Yr CD - $100k1.223.350.012.463.400.75124
High Rate Checking1.024.000.012.055.000.05104
Basic Checking0.030.100.010.412.960.0138
HSA - $1k   0.200.200.20 
HSA - $10k   0.450.500.40 
HSA - $25k   0.711.010.40 
IRA - 1 Year - $10k1.753.630.012.354.610.3560
IRA - 1 Year - $100k2.134.000.012.384.610.3526
IRA - Liquid - $10k0.483.250.010.614.700.0114
IRA - Liquid - $100k0.542.000.010.934.700.0139
High Rate Money Market - $2.5k   0.050.050.05 
Money Market - $2.5k0.201.120.010.431.300.0122
Money Market - $10k0.231.150.010.461.300.0523
High Rate Money Market - $10k0.322.960.010.701.000.5538
High Rate Money Market - $25k0.502.960.011.651.981.00115
Money Market - $25k0.331.250.010.661.950.0532
Money Market - $50k0.492.230.010.742.000.1025
High Rate Money Market - $50k0.723.440.011.852.231.11114
High Rate Money Market - $100k0.833.440.012.182.471.61136
Money Market - $100k0.653.040.011.122.050.1047
Money Market - $250k0.733.040.011.342.250.2061
High Rate Money Market - $250k0.863.440.012.322.472.02147
Money Market - $500k0.503.040.011.613.500.25111
High Rate Money Market - $500k0.400.400.402.022.022.02162
High Rate Money Market - $1 million0.400.400.402.022.022.02162
Money Market - $1 million0.513.040.011.663.500.25115
High Rate Savings0.902.650.022.696.170.30179
Regular Savings0.050.250.010.110.250.016
New Auto - 24 Mo7.6010.045.344.835.593.99-277
New Auto - 36 Mo7.629.995.344.895.594.24-273
New Auto - 48 Mo7.629.995.344.935.594.24-269
New Auto - 60 Mo7.749.995.345.025.744.49-272
New Auto - 72 Mo7.8810.025.895.336.494.49-255
New Auto - 84 Mo8.209.995.896.187.294.49-202
Used Auto - 24 Mo7.8510.395.544.996.703.99-286
Used Auto - 36 Mo8.1110.995.545.026.704.24-309
Used Auto - 48 Mo8.0410.995.545.066.704.24-298
Used Auto - 60 Mo8.1910.995.545.156.704.49-304
Used Auto - 72 Mo8.0310.025.895.466.754.49-256
Used Auto - 84 Mo7.858.995.896.257.294.49-160
Used Boat-60 Mo9.4313.185.998.3310.245.50-110
New Boat-60 Mo8.9512.255.998.4410.245.50-52
Rewards Credit Card17.6820.2414.7414.7117.745.75-298
Credit Card Platinum17.0520.2414.7412.3017.994.00-474
Credit Card Classic15.7020.2413.4913.3318.459.75-238
Home Equity - LOC 80%6.859.220.256.317.943.75-54
Home Equity - 5 Yr 80%7.4910.996.006.9210.105.75-56
Home Equity - 10 Yr 80%7.6510.996.257.3611.005.29-30
Home Equity - 15 Yr 80%7.8410.996.507.5911.005.95-26
7 Yr ARM6.6747.6565.6256.3377.7505.809-34
3 Yr ARM6.1077.5525.2506.3187.1695.44721
5 Yr ARM6.4017.6235.1256.2367.0755.399-16
15 Yr Fixed5.9636.5005.4205.8946.7005.065-7
20 Yr Fixed6.2077.0385.4876.2187.0425.4871
30 Yr Fixed6.3706.8755.9526.1456.5805.647-22
15 Yr Fixed-Jumbo6.2916.6635.8235.6665.9535.300-63
20 Yr Fixed-Jumbo6.2486.1626.1545.8865.9535.640-36
7 Yr ARM-Jumbo6.1266.0586.0586.0226.0025.908-10
5 Yr ARM-Jumbo6.2066.1386.1386.1516.1916.009-6
30 Yr Fixed-Jumbo6.5396.6486.3596.2987.0665.753-24
Used Motorcycle-60 Mo10.0413.187.498.069.995.50-198
New Motorcycle-60 Mo9.019.757.497.939.995.50-107
Used Motorhome-60 Mo8.679.736.248.3010.245.50-37
New Motorhome-60 Mo8.9412.256.248.4210.245.50-52
Student Loan-10 Year5.855.855.856.256.256.2540
Unsecured - 36 Mo12.3216.997.2410.6312.398.64-168
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* Represents the difference in the average rate between banks and credit unions.