Product	Bank Average	Bank High	Bank Low	Credit Union Average	Credit Union High	Credit Union Low	Basis Point Difference*
3 Mo CD - $10k	1.11	3.80	0.01	1.93	5.33	0.50	82▲
6 Mo CD - $10k	1.55	3.85	0.01	2.38	4.05	0.45	83▲
9 Mo CD - $10k	1.51	3.90	0.01	6.13	9.00	3.25	461▲
1 Yr CD - $10k	1.79	4.07	0.01	3.19	4.00	1.30	140▲
18 Mo CD - $10k	1.61	3.13	0.01	3.44	5.33	2.00	182▲
2 Yr CD - $10k	1.92	3.73	0.01	2.91	3.50	2.34	99▲
30 Mo CD - $10k	1.27	1.85	0.01	3.24	3.59	2.89	197▲
3 Yr CD - $10k	2.02	3.30	0.01	2.97	3.80	2.49	96▲
4 Yr CD - $10k	1.42	3.30	0.01	3.13	4.20	2.64	170▲
5 Yr CD - $10k	1.86	3.20	0.01	3.01	3.50	2.50	114▲
3 Mo CD - $100k	1.11	3.80	0.01	2.30	5.33	0.50	119▲
6 Mo CD - $100k	1.58	3.85	0.01	2.42	4.05	0.50	84▲
9 Mo CD - $100k	1.40	3.13	0.01	6.25	9.00	3.50	485▲
1 Yr CD - $100k	1.88	4.07	0.01	3.22	4.00	1.30	135▲
18 Mo CD - $100k	1.61	3.13	0.01	3.50	5.33	2.00	188▲
2 Yr CD - $100k	1.90	3.73	0.01	2.94	3.55	2.34	104▲
30 Mo CD - $100k	1.35	1.85	0.01	3.24	3.59	2.89	189▲
3 Yr CD - $100k	2.04	3.50	0.01	3.01	3.85	2.49	97▲
4 Yr CD - $100k	1.47	3.50	0.01	3.01	3.50	2.64	154▲
5 Yr CD - $100k	1.89	3.40	0.01	3.04	3.55	2.50	115▲
High Rate Checking				2.12	4.00	0.35
Basic Checking	0.05	0.07	0.01	0.20	1.00	0.01	15▲
IRA - 1 Year - $10k	1.23	1.55	0.01	3.15	4.00	1.30	192▲
IRA - 1 Year - $100k	0.01	0.01	0.01	2.99	4.00	1.30	298▲
IRA - Liquid - $10k	0.02	0.03	0.01	0.39	1.87	0.01	37▲
IRA - Liquid - $100k				0.48	1.87	0.01
High Rate Money Market - $2.5k				0.25	0.25	0.25
Money Market - $2.5k	1.50	3.50	0.50	0.29	0.80	0.05	-121▼
Money Market - $10k	1.50	3.50	0.50	0.33	0.90	0.05	-118▼
High Rate Money Market - $10k				0.25	0.25	0.25
High Rate Money Market - $25k				0.25	0.25	0.25
Money Market - $25k	1.50	3.50	0.50	0.42	0.95	0.05	-108▼
Money Market - $50k	1.50	3.50	0.50	0.56	1.35	0.05	-94▼
High Rate Money Market - $50k				0.25	0.25	0.25
High Rate Money Market - $100k				1.50	1.50	1.50
Money Market - $100k	1.50	3.50	0.50	0.62	1.35	0.05	-88▼
Money Market - $250k	1.50	3.50	0.50	0.63	1.35	0.05	-87▼
High Rate Money Market - $250k				1.55	1.55	1.55
Money Market - $500k				0.48	1.35	0.05
High Rate Money Market - $500k				1.75	1.75	1.75
High Rate Money Market - $1 million				1.95	1.95	1.95
Money Market - $1 million				0.48	1.35	0.05
High Rate Savings	0.10	0.18	0.02	2.37	3.00	1.40	227▲
Regular Savings	0.49	2.76	0.01	0.34	1.87	0.01	-15▼
New Auto - 24 Mo				5.76	13.25	3.34
New Auto - 36 Mo				4.92	13.25	2.99
New Auto - 48 Mo	7.74	7.74	7.74	5.13	13.25	2.99	-261▼
New Auto - 60 Mo	7.59	7.59	7.59	5.19	13.25	2.99	-240▼
New Auto - 72 Mo	7.44	7.44	7.44	4.68	6.49	2.99	-276▼
New Auto - 84 Mo				5.69	6.39	5.14
Used Auto - 24 Mo				5.83	10.59	3.84
Used Auto - 36 Mo				5.51	10.59	3.84
Used Auto - 48 Mo				5.76	10.59	4.59
Used Auto - 60 Mo				5.82	10.59	4.59
Used Auto - 72 Mo				6.14	11.49	4.84
Used Auto - 84 Mo				7.57	12.19	5.69
Used Boat-60 Mo				6.17	9.00	3.65
New Boat-60 Mo				7.48	10.89	3.65
Rewards Credit Card	16.34	20.24	13.20	13.14	17.99	8.99	-320▼
Credit Card Platinum	18.00	20.24	16.75	12.59	17.99	10.24	-540▼
Credit Card Classic	16.34	20.24	13.20	13.80	14.75	12.40	-254▼
Home Equity - LOC 80%				6.64	7.25	6.00
Home Equity - 5 Yr 80%				6.44	7.34	5.12
Home Equity - 10 Yr 80%				6.69	7.65	5.81
Home Equity - 15 Yr 80%				6.87	7.95	6.30
7 Yr ARM	6.238	6.162	6.162	6.645	6.539	6.466	41▲
3 Yr ARM				6.325	6.248	6.248
5 Yr ARM	6.230	6.154	6.154	6.457	6.448	6.207	23▲
15 Yr Fixed	6.460	7.000	5.500	6.229	6.304	5.820	-23▼
20 Yr Fixed	6.230	6.129	6.129	6.518	6.273	6.255	29▲
30 Yr Fixed	6.658	7.000	5.800	6.601	6.572	6.319	-6▼
Used Motorcycle-60 Mo				6.55	10.05	3.05
New Motorcycle-60 Mo				9.90	11.84	7.95
Used Motorhome-60 Mo				5.97	7.45	3.65
New Motorhome-60 Mo				6.10	7.70	3.65
Unsecured - 36 Mo	7.99	7.99	7.99	7.28	9.99	4.99	-71▼

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac. Rates based upon a survey of 345,475 financial institution locations in 19,713 markets across the United States as of 8/31/2026.

Puerto Rico