Product	Bank Average	Bank High	Bank Low	Credit Union Average	Credit Union High	Credit Union Low	Basis Point Difference*
3 Mo CD - $10k	2.25	2.25	2.25	1.45	1.45	1.45	-80▼
6 Mo CD - $10k	4.00	4.00	4.00	1.58	2.70	0.45	-243▼
9 Mo CD - $10k	3.25	3.25	3.25
1 Yr CD - $10k	2.00	2.00	2.00	3.48	3.85	3.10	148▲
18 Mo CD - $10k	1.01	1.01	1.01	3.43	3.75	3.10	242▲
2 Yr CD - $10k	0.50	0.50	0.50	3.28	3.55	3.00	278▲
30 Mo CD - $10k	0.10	0.10	0.10
3 Yr CD - $10k	2.00	2.00	2.00	3.35	3.70	3.00	135▲
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	2.25	2.25	2.25	2.85	4.20	1.50	60▲
6 Mo CD - $100k	4.00	4.00	4.00	1.60	2.70	0.50	-240▼
9 Mo CD - $100k	3.50	3.50	3.50
1 Yr CD - $100k	2.25	2.25	2.25	3.50	3.90	3.10	125▲
18 Mo CD - $100k	1.01	1.01	1.01	3.45	3.80	3.10	244▲
2 Yr CD - $100k	1.01	1.01	1.01	3.30	3.60	3.00	229▲
30 Mo CD - $100k	0.10	0.10	0.10
3 Yr CD - $100k	2.00	2.00	2.00	3.38	3.75	3.00	138▲
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				0.08	0.15	0.01
IRA - 1 Year - $10k				3.43	3.85	3.00
IRA - 1 Year - $100k				3.45	3.90	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				0.48	0.90	0.05
Money Market - $10k				0.53	1.00	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				0.56	1.06	0.05
Money Market - $50k				0.75	1.45	0.05
High Rate Money Market - $50k				0.25	0.25	0.25
High Rate Money Market - $100k				1.60	1.60	1.60
Money Market - $100k				0.80	1.45	0.15
Money Market - $250k				0.80	1.45	0.15
High Rate Money Market - $250k				1.75	1.75	1.75
Money Market - $500k				0.80	1.45	0.15
High Rate Money Market - $500k				1.95	1.95	1.95
High Rate Money Market - $1 million				2.15	2.15	2.15
Money Market - $1 million				0.80	1.45	0.15
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	16.83	19.74	12.00	16.49	17.99	14.99	-34▼
Credit Card Platinum				14.24	17.99	10.49
Credit Card Classic	16.87	17.74	16.00	11.24	11.24	11.24	-563▼
Home Equity - LOC 80%	7.50	7.50	7.50	7.06	7.25	6.88	-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				5.994	6.390	5.597
5 Yr ARM				5.857	6.331	4.995
15 Yr Fixed	5.673	5.997	5.433	5.433	5.754	5.125	-24▼
20 Yr Fixed	5.941	6.412	5.626
30 Yr Fixed	6.245	7.110	5.725	5.993	6.375	5.740	-25▼
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	7.87	8.74	6.99	-314▼

Presented by the National Association of Federal Credit Unions in cooperation with SNL and Datatrac. Rates based upon a survey of 329,733 financial institution locations in 19,713 markets across the United States as of 12/9/2025.

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