Product	Bank Average	Bank High	Bank Low	Credit Union Average	Credit Union High	Credit Union Low	Basis Point Difference*
3 Mo CD - $10k	2.00	2.00	2.00	1.35	1.35	1.35	-65▼
6 Mo CD - $10k	3.00	3.00	3.00	1.58	2.70	0.45	-143▼
9 Mo CD - $10k	3.00	3.00	3.00
1 Yr CD - $10k	2.00	2.00	2.00	3.43	3.75	3.10	143▲
18 Mo CD - $10k	2.50	2.50	2.50	3.38	3.66	3.10	88▲
2 Yr CD - $10k	3.00	3.00	3.00	3.25	3.50	3.00	25▲
30 Mo CD - $10k	0.50	0.50	0.50
3 Yr CD - $10k	2.00	2.00	2.00	3.30	3.60	3.00	130▲
4 Yr CD - $10k	2.00	2.00	2.00	3.55	4.20	2.90	155▲
5 Yr CD - $10k	2.00	2.00	2.00	3.20	3.50	2.90	120▲
3 Mo CD - $100k	2.00	2.00	2.00	2.80	4.20	1.40	80▲
6 Mo CD - $100k	3.00	3.00	3.00	1.60	2.70	0.50	-140▼
9 Mo CD - $100k	3.00	3.00	3.00
1 Yr CD - $100k	2.00	2.00	2.00	3.45	3.80	3.10	145▲
18 Mo CD - $100k	2.50	2.50	2.50	3.40	3.70	3.10	90▲
2 Yr CD - $100k	3.00	3.00	3.00	3.28	3.55	3.00	28▲
30 Mo CD - $100k	1.01	1.01	1.01
3 Yr CD - $100k	2.00	2.00	2.00	3.33	3.66	3.00	133▲
4 Yr CD - $100k	2.00	2.00	2.00	2.90	2.90	2.90	90▲
5 Yr CD - $100k	2.00	2.00	2.00	3.23	3.55	2.90	123▲
High Rate Checking				0.35	0.35	0.35
Basic Checking				0.03	0.05	0.01
IRA - 1 Year - $10k				3.38	3.75	3.00
IRA - 1 Year - $100k				3.40	3.80	3.00
IRA - Liquid - $10k				0.15	0.25	0.05
IRA - Liquid - $100k				0.15	0.25	0.05
High Rate Money Market - $2.5k				0.25	0.25	0.25
Money Market - $2.5k				0.45	0.85	0.05
Money Market - $10k				0.50	0.95	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				0.53	1.00	0.05
Money Market - $50k				0.73	1.40	0.05
High Rate Money Market - $50k				0.25	0.25	0.25
High Rate Money Market - $100k				1.55	1.55	1.55
Money Market - $100k				0.73	1.40	0.05
Money Market - $250k				0.73	1.40	0.05
High Rate Money Market - $250k				1.65	1.65	1.65
Money Market - $500k				0.73	1.40	0.05
High Rate Money Market - $500k				1.85	1.85	1.85
High Rate Money Market - $1 million				2.05	2.05	2.05
Money Market - $1 million				0.73	1.40	0.05
High Rate Savings				2.70	2.70	2.70
Regular Savings				0.15	0.25	0.05
New Auto - 24 Mo				4.04	4.19	3.89
New Auto - 36 Mo				4.04	4.19	3.89
New Auto - 48 Mo				4.34	4.39	4.29
New Auto - 60 Mo				4.37	4.44	4.29
New Auto - 72 Mo				4.69	4.79	4.59
New Auto - 84 Mo				6.12	6.49	5.74
Used Auto - 24 Mo				4.79	4.79	4.79
Used Auto - 36 Mo				4.79	4.79	4.79
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				14.12	17.99	10.24
Credit Card Classic	16.75	17.49	16.00
Home Equity - LOC 80%	7.25	7.25	7.25	6.81	7.00	6.63	-44▼
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
3 Yr ARM				5.727	5.661	5.661
5 Yr ARM				5.703	5.637	5.637
15 Yr Fixed	5.452	5.341	5.341	5.904	6.250	5.066	45▲
20 Yr Fixed	5.635	5.547	5.547
30 Yr Fixed	5.774	5.708	5.708	5.827	5.699	5.614	5▲
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	11.00	11.00	11.00	7.74	8.74	6.74	-326▼

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac. Rates based upon a survey of 333,576 financial institution locations in 19,713 markets across the United States as of 2/13/2026.

Guam