Product	Bank Average	Bank High	Bank Low	Credit Union Average	Credit Union High	Credit Union Low	Basis Point Difference*
3 Mo CD - $10k	1.10	3.70	0.01	1.97	5.33	0.50	88▲
6 Mo CD - $10k	1.54	3.70	0.01	2.41	4.05	0.45	88▲
9 Mo CD - $10k	1.12	1.98	0.01	6.25	9.00	3.50	514▲
1 Yr CD - $10k	1.85	3.92	0.01	3.19	4.00	1.30	134▲
18 Mo CD - $10k	1.42	1.98	0.01	3.40	5.33	2.00	197▲
2 Yr CD - $10k	1.77	3.73	0.01	2.91	3.50	2.34	114▲
30 Mo CD - $10k	1.27	1.85	0.01	3.24	3.59	2.89	197▲
3 Yr CD - $10k	1.86	3.00	0.01	2.94	3.50	2.49	108▲
4 Yr CD - $10k	1.55	2.75	0.01	3.13	4.20	2.64	158▲
5 Yr CD - $10k	1.99	2.75	0.01	3.01	3.50	2.50	102▲
3 Mo CD - $100k	1.10	3.70	0.01	2.33	5.33	0.50	124▲
6 Mo CD - $100k	1.54	3.70	0.01	2.45	4.05	0.50	90▲
9 Mo CD - $100k	1.12	1.98	0.01	6.38	9.00	3.75	526▲
1 Yr CD - $100k	1.85	3.92	0.01	3.22	4.00	1.30	137▲
18 Mo CD - $100k	1.42	1.98	0.01	3.46	5.33	2.00	203▲
2 Yr CD - $100k	1.77	3.73	0.01	2.94	3.55	2.34	117▲
30 Mo CD - $100k	1.35	1.85	0.01	3.24	3.59	2.89	189▲
3 Yr CD - $100k	1.83	3.10	0.01	2.97	3.55	2.49	114▲
4 Yr CD - $100k	1.57	2.85	0.01	3.01	3.50	2.64	144▲
5 Yr CD - $100k	2.00	2.85	0.01	3.04	3.55	2.50	104▲
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	0.02	0.02	0.02	2.37	3.00	1.40	235▲
Regular Savings	0.51	2.96	0.01	0.36	1.87	0.01	-16▼
New Auto - 24 Mo				5.76	13.25	3.34
New Auto - 36 Mo				5.09	13.25	3.34
New Auto - 48 Mo	7.74	7.74	7.74	5.29	13.25	3.75	-245▼
New Auto - 60 Mo	7.59	7.59	7.59	5.36	13.25	3.75	-223▼
New Auto - 72 Mo	7.44	7.44	7.44	4.85	6.49	3.75	-259▼
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				7.08	9.00	5.59
New Boat-60 Mo				7.94	10.89	5.59
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%				6.87	7.65	5.81
Home Equity - 15 Yr 80%				7.09	7.95	6.30
7 Yr ARM	6.173	6.106	6.106	6.552	6.539	6.282	38▲
3 Yr ARM				6.161	6.094	6.094
5 Yr ARM	6.222	6.154	6.154	6.355	6.448	6.036	13▲
15 Yr Fixed	6.400	7.000	5.500	6.119	6.250	5.588	-28▼
20 Yr Fixed	6.092	6.003	6.003	6.501	6.273	6.223	41▲
30 Yr Fixed	6.556	7.000	5.800	6.512	6.560	6.142	-4▼
Used Motorcycle-60 Mo				8.65	10.05	7.24
New Motorcycle-60 Mo				7.35	7.95	6.74
Used Motorhome-60 Mo				6.88	7.45	6.34
New Motorhome-60 Mo				6.70	7.70	5.44
Unsecured - 36 Mo	7.99	7.99	7.99	7.73	10.04	4.99	-26▼

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac. Rates based upon a survey of 342,619 financial institution locations in 19,713 markets across the United States as of 7/13/2026.

Puerto Rico