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 - $10k1.223.160.052.064.030.2084
6 Mo CD - $10k1.653.950.033.384.070.25173
9 Mo CD - $10k1.516.910.033.284.000.25177
1 Yr CD - $10k1.633.850.033.484.000.35185
18 Mo CD - $10k1.143.680.033.253.930.35211
2 Yr CD - $10k1.413.630.033.313.800.40190
30 Mo CD - $10k1.146.910.032.663.590.40152
3 Yr CD - $10k1.113.540.033.223.800.60211
4 Yr CD - $10k1.163.490.033.234.200.60207
5 Yr CD - $10k1.123.510.033.234.100.75211
3 Mo CD - $100k1.223.160.052.074.030.2085
6 Mo CD - $100k1.653.950.033.394.250.25174
9 Mo CD - $100k1.516.910.033.304.070.25179
1 Yr CD - $100k1.633.850.033.494.250.35186
18 Mo CD - $100k1.285.050.033.263.930.35198
2 Yr CD - $100k1.413.630.033.324.050.40192
30 Mo CD - $100k1.196.910.032.673.590.40148
3 Yr CD - $100k1.113.540.033.244.050.60212
4 Yr CD - $100k1.193.490.033.234.350.60204
5 Yr CD - $100k1.123.510.033.244.350.75212
High Rate Checking0.020.030.013.415.250.50339
Basic Checking0.040.350.010.263.040.0121
IRA - 1 Year - $10k1.723.780.033.514.610.35179
IRA - 1 Year - $100k2.353.250.203.314.610.3596
IRA - Liquid - $10k0.352.380.010.884.700.0554
IRA - Liquid - $100k0.782.380.010.984.700.0520
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.191.470.011.173.600.0199
Money Market - $10k0.221.860.011.362.720.05114
High Rate Money Market - $10k0.281.750.010.250.250.25-3
High Rate Money Market - $25k0.461.750.050.250.250.25-21
Money Market - $25k0.361.860.011.552.720.10119
Money Market - $50k0.512.100.011.752.720.10124
High Rate Money Market - $50k0.742.500.050.681.100.25-6
High Rate Money Market - $100k1.013.250.101.451.551.3544
Money Market - $100k0.743.040.052.002.800.10126
Money Market - $250k0.813.040.052.263.060.75145
High Rate Money Market - $250k1.013.250.101.501.651.3549
Money Market - $500k0.773.040.052.313.901.00154
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million0.873.040.052.363.901.00149
High Rate Savings1.152.250.043.625.252.60247
Regular Savings0.050.250.010.100.350.015
New Auto - 24 Mo7.2210.045.344.557.743.89-267
New Auto - 36 Mo7.569.755.004.887.743.89-269
New Auto - 48 Mo7.539.755.005.018.243.99-252
New Auto - 60 Mo7.719.755.005.148.243.99-257
New Auto - 72 Mo8.0010.025.005.518.744.24-249
New Auto - 84 Mo7.749.995.896.108.744.24-164
Used Auto - 24 Mo7.3810.395.544.687.743.99-270
Used Auto - 36 Mo8.1612.505.004.957.743.99-321
Used Auto - 48 Mo8.0512.505.005.088.243.99-297
Used Auto - 60 Mo8.2612.505.005.218.243.99-304
Used Auto - 72 Mo8.1312.505.005.588.744.24-255
Used Auto - 84 Mo7.148.995.896.348.744.24-80
Used Boat-60 Mo9.4913.185.998.0818.005.49-141
New Boat-60 Mo8.6212.255.996.6418.004.49-198
Rewards Credit Card17.5420.4915.7513.1817.756.99-435
Credit Card Platinum16.6418.499.7411.4817.246.90-516
Credit Card Classic14.7020.4911.5011.6715.508.90-303
Home Equity - LOC 80%7.409.256.506.768.005.50-65
Home Equity - 5 Yr 80%7.519.875.756.317.495.50-120
Home Equity - 10 Yr 80%7.829.866.506.637.995.50-119
Home Equity - 15 Yr 80%7.809.896.636.788.255.50-103
7 Yr ARM6.7417.4406.0616.3687.2505.375-37
3 Yr ARM6.5027.5526.1256.1336.7505.115-37
5 Yr ARM6.4157.4466.0006.3007.0005.250-12
15 Yr Fixed6.2246.8755.4236.1437.0005.066-8
20 Yr Fixed6.3927.0385.4876.5507.0426.26316
30 Yr Fixed6.5377.1255.9616.6628.0005.61413
15 Yr Fixed-Jumbo6.0476.0465.823 
20 Yr Fixed-Jumbo6.2486.1626.154 
7 Yr ARM-Jumbo6.1266.0586.058 
5 Yr ARM-Jumbo6.2066.1386.138 
30 Yr Fixed-Jumbo6.4496.4016.359 
Used Motorcycle-60 Mo10.1913.187.497.1510.055.25-304
New Motorcycle-60 Mo8.909.907.496.899.994.75-201
Used Motorhome-60 Mo8.239.906.247.9818.005.49-25
New Motorhome-60 Mo8.5112.256.246.5218.004.49-199
Unsecured - 36 Mo13.1618.257.2410.3514.746.99-282
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* Represents the difference in the average rate between banks and credit unions.