Product	Bank Average	Bank High	Bank Low	Credit Union Average	Credit Union High	Credit Union Low	Basis Point Difference*
3 Mo CD - $10k	0.04	0.05	0.03	1.25	1.25	1.25	121▲
6 Mo CD - $10k	1.39	2.75	0.03	1.58	2.70	0.45	19▲
9 Mo CD - $10k	1.02	2.00	0.04
1 Yr CD - $10k	1.90	3.75	0.05	3.30	3.70	2.90	140▲
18 Mo CD - $10k	1.04	2.00	0.07	3.25	3.60	2.90	222▲
2 Yr CD - $10k	1.79	3.50	0.08	3.20	3.50	2.90	141▲
30 Mo CD - $10k	0.29	0.50	0.08
3 Yr CD - $10k	1.05	2.00	0.10	3.20	3.50	2.90	215▲
4 Yr CD - $10k	1.13	2.00	0.25	3.55	4.20	2.90	243▲
5 Yr CD - $10k	1.13	2.00	0.25	3.20	3.50	2.90	208▲
3 Mo CD - $100k	0.07	0.08	0.05	2.75	4.20	1.30	269▲
6 Mo CD - $100k	1.54	3.00	0.08	1.60	2.70	0.50	6▲
9 Mo CD - $100k	1.05	2.00	0.09
1 Yr CD - $100k	2.05	4.00	0.10	3.33	3.75	2.90	128▲
18 Mo CD - $100k	1.06	2.00	0.12	3.28	3.66	2.90	222▲
2 Yr CD - $100k	1.82	3.50	0.13	3.23	3.55	2.90	141▲
30 Mo CD - $100k	0.57	1.01	0.13
3 Yr CD - $100k	1.08	2.00	0.15	3.23	3.55	2.90	215▲
4 Yr CD - $100k	1.15	2.00	0.30	2.90	2.90	2.90	175▲
5 Yr CD - $100k	1.15	2.00	0.30	3.23	3.55	2.90	208▲
High Rate Checking				0.35	0.35	0.35
Basic Checking				0.03	0.05	0.01
IRA - 1 Year - $10k	0.05	0.05	0.05	3.25	3.70	2.80	320▲
IRA - 1 Year - $100k	0.05	0.05	0.05	3.28	3.75	2.80	323▲
IRA - Liquid - $10k				0.13	0.25	0.01
IRA - Liquid - $100k				0.13	0.25	0.01
High Rate Money Market - $2.5k				0.25	0.25	0.25
Money Market - $2.5k				0.43	0.80	0.05
Money Market - $10k				0.48	0.90	0.05
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				0.50	0.95	0.05
Money Market - $50k				0.70	1.35	0.05
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				0.70	1.35	0.05
Money Market - $250k				0.70	1.35	0.05
High Rate Money Market - $250k				1.55	1.55	1.55
Money Market - $500k				0.70	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				0.70	1.35	0.05
High Rate Savings	0.50	0.50	0.50	2.70	2.70	2.70	220▲
Regular Savings	0.03	0.03	0.02	0.13	0.25	0.01	11▲
New Auto - 24 Mo	6.97	6.97	6.97	4.04	4.19	3.89	-293▼
New Auto - 36 Mo	6.97	6.97	6.97	4.04	4.19	3.89	-293▼
New Auto - 48 Mo	6.97	6.97	6.97	4.34	4.39	4.29	-263▼
New Auto - 60 Mo				4.37	4.44	4.29
New Auto - 72 Mo				4.69	4.79	4.59
New Auto - 84 Mo				5.87	5.99	5.74
Used Auto - 24 Mo	7.54	7.54	7.54	4.79	4.79	4.79	-275▼
Used Auto - 36 Mo	7.54	7.54	7.54	4.79	4.79	4.79	-275▼
Used Auto - 48 Mo				5.29	5.29	5.29
Used Auto - 60 Mo				5.32	5.34	5.29
Used Auto - 72 Mo				5.39	5.39	5.39
Used Auto - 84 Mo				6.24	6.24	6.24
Used Boat-60 Mo				9.00	9.00	9.00
New Boat-60 Mo				8.95	8.95	8.95
Rewards Credit Card	16.33	19.49	12.00	16.37	17.99	14.74	4▲
Credit Card Platinum	18.00	18.00	18.00	14.12	17.99	10.24	-389▼
Credit Card Classic	16.75	17.49	16.00
Home Equity - LOC 80%	7.81	8.36	7.25	6.88	7.00	6.75	-93▼
Home Equity - 5 Yr 80%				7.34	7.34	7.34
Home Equity - 10 Yr 80%				7.65	7.65	7.65
Home Equity - 15 Yr 80%				7.95	7.95	7.95
7 Yr ARM	6.369	6.300	6.300
3 Yr ARM	6.429	6.360	6.360	6.068	6.001	6.001	-36▼
5 Yr ARM	6.319	6.250	6.250	6.027	5.960	5.960	-29▼
15 Yr Fixed	5.995	5.920	5.844	6.166	6.250	5.588	17▲
20 Yr Fixed	6.141	6.051	6.051
30 Yr Fixed	6.530	6.550	6.372	6.395	6.295	6.142	-14▼
Used Motorcycle-60 Mo				10.05	10.05	10.05
New Motorcycle-60 Mo				7.95	7.95	7.95
Used Motorhome-60 Mo				7.45	7.45	7.45
New Motorhome-60 Mo				7.45	7.45	7.45
Unsecured - 36 Mo	9.48	11.00	7.95	7.42	8.74	6.09	-206▼

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac. Rates based upon a survey of 340,624 financial institution locations in 19,713 markets across the United States as of 6/10/2026.

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