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 - $10k1.313.930.012.035.330.0572
6 Mo CD - $10k2.004.050.012.624.050.1063
9 Mo CD - $10k1.624.000.013.145.330.10152
1 Yr CD - $10k1.804.500.012.614.000.1581
18 Mo CD - $10k1.814.750.012.575.330.2076
2 Yr CD - $10k1.683.950.012.363.850.2568
30 Mo CD - $10k1.003.930.012.633.680.30162
3 Yr CD - $10k1.443.900.012.274.000.3583
4 Yr CD - $10k1.473.850.012.174.000.2570
5 Yr CD - $10k1.473.900.012.314.000.5084
3 Mo CD - $100k1.313.800.011.965.330.0565
6 Mo CD - $100k1.984.050.012.604.050.1062
9 Mo CD - $100k1.654.000.013.155.330.10150
1 Yr CD - $100k1.814.500.012.604.000.1578
18 Mo CD - $100k1.815.050.012.515.330.2071
2 Yr CD - $100k1.713.950.012.373.870.2566
30 Mo CD - $100k0.973.690.012.413.680.30144
3 Yr CD - $100k1.463.900.012.274.000.3581
4 Yr CD - $100k1.493.850.012.184.000.2570
5 Yr CD - $100k1.493.900.012.294.000.5081
High Rate Checking1.274.000.012.565.130.25129
Basic Checking0.092.720.010.152.960.016
IRA - 1 Year - $10k1.843.720.012.584.050.1574
IRA - 1 Year - $100k2.254.000.012.934.050.1568
IRA - Liquid - $10k0.463.350.010.283.000.02-18
IRA - Liquid - $100k0.812.820.010.241.870.05-57
High Rate Money Market - $2.5k0.500.500.50    
Money Market - $2.5k0.302.990.010.432.250.0212
Money Market - $10k0.362.990.010.613.250.0225
High Rate Money Market - $10k0.643.450.010.440.750.02-20
High Rate Money Market - $25k0.933.450.010.971.490.024
Money Market - $25k0.492.990.010.803.250.0231
Money Market - $50k0.652.990.011.003.250.0235
High Rate Money Market - $50k1.203.450.011.402.470.0220
High Rate Money Market - $100k1.303.450.012.143.450.1084
Money Market - $100k0.843.250.011.233.500.0239
Money Market - $250k0.913.640.011.303.500.0239
High Rate Money Market - $250k1.273.440.012.293.450.10102
Money Market - $500k0.892.500.011.333.750.1045
High Rate Money Market - $500k3.503.503.50    
High Rate Money Market - $1 million3.503.503.50    
Money Market - $1 million0.952.750.011.413.750.1046
High Rate Savings1.204.000.022.636.171.00143
Regular Savings0.153.650.010.133.340.01-1
New Auto - 24 Mo7.2611.004.995.3113.253.74-195
New Auto - 36 Mo7.5612.504.995.4613.253.49-210
New Auto - 48 Mo7.6212.504.995.5513.253.99-207
New Auto - 60 Mo7.7812.505.255.6113.253.99-217
New Auto - 72 Mo7.6811.005.255.927.503.99-176
New Auto - 84 Mo8.0211.005.896.308.694.49-172
Used Auto - 24 Mo7.7111.755.545.3810.593.99-233
Used Auto - 36 Mo8.1113.505.505.5210.593.49-258
Used Auto - 48 Mo8.2413.505.505.6110.594.24-263
Used Auto - 60 Mo8.0713.505.545.6710.594.49-240
Used Auto - 72 Mo7.6110.025.896.1711.494.49-145
Used Auto - 84 Mo7.388.995.896.7212.194.49-66
Used Boat-60 Mo8.339.995.998.4210.995.639
New Boat-60 Mo9.4312.255.998.0910.245.24-134
Rewards Credit Card17.4823.499.9914.3018.494.90-318
Credit Card Platinum16.8218.499.7413.6717.746.99-315
Credit Card Classic16.7028.2410.2412.5116.757.99-420
Home Equity - LOC 80%6.899.276.256.588.754.75-31
Home Equity - 5 Yr 80%6.9412.505.756.387.254.67-56
Home Equity - 10 Yr 80%7.2212.505.996.747.634.00-48
Home Equity - 15 Yr 80%7.3812.506.257.087.995.21-30
7 Yr ARM6.0797.0895.1256.1046.8755.0003
3 Yr ARM5.7786.6595.1256.1648.1254.75039
5 Yr ARM5.9097.0005.0006.0126.8754.87510
15 Yr Fixed5.8697.0005.0005.8137.0214.990-6
20 Yr Fixed6.1476.8675.4876.0427.0425.113-11
30 Yr Fixed6.2997.6255.5006.1967.2185.083-10
15 Yr Fixed-Jumbo5.9355.8235.8235.4115.3005.300-52
20 Yr Fixed-Jumbo6.2446.1546.1545.7445.6555.655-50
7 Yr ARM-Jumbo6.1266.0586.0585.9755.9085.908-15
5 Yr ARM-Jumbo6.2066.1386.1386.2126.1916.0971
30 Yr Fixed-Jumbo6.4286.3596.3596.7427.0665.90331
Used Motorcycle-60 Mo6.847.496.197.159.994.9931
New Motorcycle-60 Mo6.597.495.697.079.994.4948
Used Motorhome-60 Mo8.129.996.248.5611.245.6344
New Motorhome-60 Mo9.3814.996.248.3311.245.24-105
Student Loan-10 Year5.855.855.855.126.753.24-73
Unsecured - 36 Mo13.2218.006.7411.0314.155.00-220
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* Represents the difference in the average rate between banks and credit unions.