Rates based upon a survey of 262,253 financial institution locations in 19,596 markets across the United States as of 9/26/2021. Source: Datatrac

Product	Bank Average Bank Average		Low	High	Credit Union Average Credit Union Average		Low	High	Winner (bp = basis points, Winner = )
Auto
Auto
New Car - 36 Mo	4.17%		1.24%	13.50%	2.58%		0.99%	7.45%	Credit Unions by 159 bp
New Car - 48 Mo	4.21%		1.49%	13.50%	2.71%		1.24%	7.65%	Credit Unions by 150 bp
New Car - 60 Mo	4.29%		1.64%	13.50%	2.81%		1.24%	7.75%	Credit Unions by 148 bp
New Car - 72 Mo	4.38%		0.15%	11.25%	3.13%		1.24%	15.23%	Credit Unions by 125 bp
Used Car - 36 Mo	4.57%		1.24%	13.95%	2.78%		0.99%	8.60%	Credit Unions by 179 bp
Used Car - 48 Mo	4.58%		1.49%	13.95%	2.90%		1.24%	10.99%	Credit Unions by 169 bp
Used Car - 60 Mo	4.46%		1.84%	30.00%	3.00%		1.24%	10.99%	Credit Unions by 146 bp
Used Car - 72 Mo	4.50%		1.84%	34.00%	3.31%		1.49%	10.99%	Credit Unions by 120 bp
Boat
Boat
New Boat - 60 Mo	6.15%		1.91%	30.00%	5.00%		0.05%	11.25%	Credit Unions by 115 bp
Credit Card
Credit Card
Rewards Credit Card	13.55%		4.99%	29.90%	10.39%		1.00%	18.00%	Credit Unions by 315 bp
Credit Card Classic	12.30%		4.99%	22.25%	10.96%		1.00%	18.00%	Credit Unions by 135 bp
Credit Card Platinum	13.01%		5.25%	26.99%	9.22%		1.00%	17.90%	Credit Unions by 380 bp
Home Equity
Home Equity
Home Equity - LOC	4.00%		3.25%	6.00%	4.03%		1.00%	6.25%	Banks by 3 bp
Home Equity - 5 Yr	3.78%		2.48%	5.00%	4.28%		0.15%	5.99%	Banks by 50 bp
Home Equity - 10 Yr	4.34%		3.27%	5.25%	4.62%		0.25%	6.25%	Banks by 28 bp
Home Equity - 15 Yr	4.71%		3.89%	5.50%	5.04%		0.35%	7.25%	Banks by 33 bp
Mortgage
Mortgage
1 Yr ARM	3.16%		1.75%	5.88%	2.97%		1.00%	5.00%	Credit Unions by 19 bp
3/1 ARM	3.44%		1.00%	7.00%	2.96%		1.00%	5.50%	Credit Unions by 47 bp
5/1 ARM	3.23%		1.25%	7.75%	2.93%		1.00%	5.50%	Credit Unions by 29 bp
7/1 ARM	3.20%		1.40%	6.25%	3.05%		1.00%	6.25%	Credit Unions by 16 bp
15 Yr Fixed	2.65%		0.25%	8.00%	2.66%		1.00%	6.00%
20 Yr Fixed	3.58%		2.34%	7.55%	3.52%		0.00%	6.00%	Credit Unions by 6 bp
30 Yr Fixed	3.15%		2.00%	7.25%	3.15%		1.00%	6.75%
Rv
Rv
New RV - 60 Mo	6.23%		1.91%	30.00%	5.26%		1.00%	841.00%	Credit Unions by 97 bp
Unsecured
Unsecured
Unsecured - 36 Mo	9.31%		1.00%	21.00%	8.85%		2.99%	21.00%	Credit Unions by 46 bp
CD
CD
3 Mo CD - $10k	0.07%		0.01%	1.50%	0.16%		0.01%	1.55%	Credit Unions by 9 bp
6 Mo CD - $10k	0.11%		0.01%	25.00%	0.24%		0.01%	2.25%	Credit Unions by 13 bp
1 Yr CD - $10k	0.16%		0.01%	2.00%	0.35%		0.01%	2.35%	Credit Unions by 19 bp
18 Mo CD - $10k	0.18%		0.00%	2.75%	0.39%		0.01%	2.75%	Credit Unions by 21 bp
2 Yr CD - $10k	0.22%		0.01%	2.75%	0.46%		0.01%	2.75%	Credit Unions by 24 bp
30 Mo CD - $10k	0.27%		0.01%	14.00%	0.50%		0.01%	3.10%	Credit Unions by 22 bp
3 Yr CD - $10k	0.27%		0.01%	2.15%	0.57%		0.01%	2.60%	Credit Unions by 29 bp
4 Yr CD - $10k	0.31%		0.01%	2.35%	0.65%		0.01%	2.65%	Credit Unions by 34 bp
5 Yr CD - $10k	0.36%		0.01%	2.35%	0.76%		0.01%	2.75%	Credit Unions by 39 bp
1 Mo CD - $100k	0.06%		0.00%	0.65%	0.18%		0.01%	1.00%	Credit Unions by 12 bp
2 Mo CD - $100k	0.05%		0.02%	0.55%	0.45%		0.08%	1.10%	Credit Unions by 40 bp
3 Mo CD - $100k	0.08%		0.01%	1.50%	0.19%		0.01%	3.10%	Credit Unions by 11 bp
6 Mo CD - $100k	0.11%		0.01%	1.50%	0.26%		0.01%	1.50%	Credit Unions by 15 bp
1 Yr CD - $100k	0.17%		0.01%	3.00%	0.37%		0.01%	2.00%	Credit Unions by 20 bp
2 Yr CD - $100k	0.23%		0.01%	2.75%	0.49%		0.01%	2.75%	Credit Unions by 26 bp
3 Yr CD - $100k	0.28%		0.01%	2.15%	0.59%		0.01%	2.79%	Credit Unions by 31 bp
Checking
Checking
Interest Checking - $5k	0.03%		0.01%	0.50%	0.38%		0.01%	3.25%	Credit Unions by 35 bp
Ira
Ira
Liquid IRA Account	0.11%		0.01%	2.18%	0.25%		0.01%	2.97%	Credit Unions by 14 bp
Money Market
Money Market
Money Market - $2.5k	0.06%		0.00%	1.50%	0.14%		0.00%	3.00%	Credit Unions by 8 bp
Money Market - $10k	0.07%		0.00%	0.95%	0.16%		0.01%	1.00%	Credit Unions by 9 bp
Money Market - $25k	0.08%		0.00%	1.25%	0.19%		0.01%	1.25%	Credit Unions by 11 bp
Money Market - $50k	0.09%		0.00%	1.25%	0.22%		0.01%	1.25%	Credit Unions by 12 bp
Money Market - $100k	0.12%		0.00%	1.35%	0.26%		0.00%	1.35%	Credit Unions by 14 bp
Money Market - $250k	0.13%		0.00%	1.35%	0.28%		0.00%	1.35%	Credit Unions by 15 bp
Savings
Savings
Regular Savings - $1k	0.05%		0.01%	2.02%	0.19%		0.01%	2.02%	Credit Unions by 13 bp