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 - $10k1.133.580.011.845.330.0271
6 Mo CD - $10k1.773.870.012.854.050.15108
9 Mo CD - $10k2.103.870.012.955.331.1785
1 Yr CD - $10k1.813.870.013.064.550.20125
18 Mo CD - $10k1.573.730.012.995.330.05142
2 Yr CD - $10k1.633.680.012.984.500.45135
30 Mo CD - $10k1.263.680.012.514.000.25124
3 Yr CD - $10k1.613.680.012.994.300.55138
4 Yr CD - $10k1.453.680.012.974.200.77152
5 Yr CD - $10k1.603.680.012.994.010.77139
3 Mo CD - $100k1.353.600.012.135.330.0179
6 Mo CD - $100k1.823.870.012.804.050.1298
9 Mo CD - $100k2.173.870.012.965.331.1779
1 Yr CD - $100k1.903.870.013.025.150.20112
18 Mo CD - $100k1.663.730.013.075.331.07140
2 Yr CD - $100k1.763.680.012.944.550.09118
30 Mo CD - $100k1.303.680.012.423.490.25112
3 Yr CD - $100k1.663.680.012.954.350.12129
4 Yr CD - $100k1.473.680.012.923.860.77145
5 Yr CD - $100k1.693.680.012.984.010.77129
High Rate Checking0.020.030.012.886.000.35286
Basic Checking0.080.470.010.365.250.0127
IRA - 1 Year - $10k1.863.870.013.004.000.20115
IRA - 1 Year - $100k1.803.510.012.804.000.20100
IRA - Liquid - $10k0.181.660.010.473.760.0328
IRA - Liquid - $100k0.692.000.010.473.250.05-22
High Rate Money Market - $2.5k   0.250.250.25 
Money Market - $2.5k0.482.290.010.612.020.0314
Money Market - $10k0.542.290.010.682.120.0314
High Rate Money Market - $10k   0.390.800.13 
High Rate Money Market - $25k   0.450.850.25 
Money Market - $25k0.562.290.010.782.120.0522
Money Market - $50k0.602.290.010.882.120.0528
High Rate Money Market - $50k   0.470.900.25 
High Rate Money Market - $100k   0.981.550.25 
Money Market - $100k0.672.290.010.982.720.0530
Money Market - $250k0.722.290.011.053.690.0533
High Rate Money Market - $250k   1.021.650.25 
Money Market - $500k0.632.290.010.942.020.0531
High Rate Money Market - $500k   1.851.851.85 
High Rate Money Market - $1 million   2.052.052.05 
Money Market - $1 million0.632.290.010.942.020.0531
Youth/Student Savings   3.003.003.00 
High Rate Savings0.713.300.021.803.500.05109
Regular Savings0.343.300.010.121.870.02-22
New Auto - 24 Mo6.108.994.944.436.492.75-167
New Auto - 36 Mo6.438.995.344.576.492.75-186
New Auto - 48 Mo6.518.995.344.866.493.00-165
New Auto - 60 Mo6.538.995.345.046.993.25-150
New Auto - 72 Mo6.548.995.745.477.494.25-107
New Auto - 84 Mo6.618.994.946.068.495.00-55
Used Auto - 24 Mo6.528.994.944.806.993.49-173
Used Auto - 36 Mo6.728.995.544.906.993.49-182
Used Auto - 48 Mo6.858.995.545.166.993.74-170
Used Auto - 60 Mo6.738.995.545.326.994.00-141
Used Auto - 72 Mo6.707.596.185.757.494.68-95
Used Auto - 84 Mo6.618.994.946.298.495.00-32
Used Boat-60 Mo7.837.837.838.1614.494.9933
New Boat-60 Mo9.6611.506.647.4213.494.49-224
Rewards Credit Card17.3220.2414.7413.6718.008.99-365
Credit Card Platinum16.4720.249.7413.1118.007.99-336
Credit Card Classic17.0520.9912.4912.8717.996.99-418
Home Equity - LOC 80%7.769.376.756.768.504.00-101
Home Equity - 5 Yr 80%7.928.397.446.4112.501.00-151
Home Equity - 10 Yr 80%7.938.507.547.0812.505.25-85
Home Equity - 15 Yr 80%8.028.637.647.2812.505.49-74
7 Yr ARM6.4237.0896.0216.1197.1255.125-30
3 Yr ARM6.9588.1253.500 
5 Yr ARM6.3106.3266.1546.0236.6344.999-29
15 Yr Fixed5.9417.0005.1255.6396.2504.875-30
20 Yr Fixed6.0196.2725.5476.0286.5965.5001
30 Yr Fixed6.3897.0005.7505.9896.2505.500-40
15 Yr Fixed-Jumbo5.9465.8335.833 
20 Yr Fixed-Jumbo6.3636.2726.272 
7 Yr ARM-Jumbo6.1446.0766.076 
5 Yr ARM-Jumbo6.2576.1896.189 
30 Yr Fixed-Jumbo6.4206.3516.351 
Used Motorcycle-60 Mo   8.5312.995.25 
New Motorcycle-60 Mo   7.8912.394.75 
Used Motorhome-60 Mo7.087.087.088.3214.495.25124
New Motorhome-60 Mo9.4511.506.897.3813.994.74-207
Unsecured - 36 Mo10.4213.896.749.0312.006.74-139
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* Represents the difference in the average rate between banks and credit unions.