Rates based upon a survey of 273,522 financial institution locations in 19,604 markets across the United States as of 5/17/2022. 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	4.24%		1.49%	13.50%	2.65%		0.99%	11.00%	Credit Unions by 159 bp
New Car - 48 Mo	4.29%		1.49%	13.50%	2.77%		0.99%	11.00%	Credit Unions by 152 bp
New Car - 60 Mo	4.38%		1.85%	13.50%	2.88%		1.38%	11.00%	Credit Unions by 150 bp
New Car - 72 Mo	4.43%		1.85%	11.25%	3.18%		1.25%	11.00%	Credit Unions by 124 bp
Used Car - 36 Mo	4.62%		1.49%	13.75%	2.83%		0.99%	9.00%	Credit Unions by 179 bp
Used Car - 48 Mo	4.63%		1.49%	13.75%	2.95%		0.99%	10.99%	Credit Unions by 168 bp
Used Car - 60 Mo	4.57%		1.97%	30.00%	3.06%		1.38%	10.99%	Credit Unions by 151 bp
Used Car - 72 Mo	4.47%		1.99%	34.00%	3.34%		1.25%	10.99%	Credit Unions by 113 bp
Boat
Boat
New Boat - 60 Mo	6.09%		0.05%	30.00%	4.92%		0.05%	11.45%	Credit Unions by 118 bp
Credit Card
Credit Card
Rewards Credit Card	13.91%		4.99%	29.90%	10.63%		1.00%	18.00%	Credit Unions by 328 bp
Credit Card Classic	12.40%		4.99%	29.99%	11.04%		1.00%	18.99%	Credit Unions by 136 bp
Credit Card Platinum	13.17%		6.00%	27.24%	9.51%		1.00%	18.00%	Credit Unions by 366 bp
Home Equity
Home Equity
Home Equity - LOC	4.35%		2.25%	8.20%	3.92%		0.25%	18.00%	Credit Unions by 43 bp
Home Equity - 5 Yr	5.04%		2.30%	9.50%	4.35%		0.15%	9.00%	Credit Unions by 69 bp
Home Equity - 10 Yr	5.30%		2.38%	9.75%	4.81%		0.25%	9.00%	Credit Unions by 49 bp
Home Equity - 15 Yr	5.51%		2.38%	11.75%	5.12%		0.35%	10.00%	Credit Unions by 38 bp
Mortgage
Mortgage
3/1 ARM	3.82%		1.00%	6.52%	3.53%		1.00%	5.50%	Credit Unions by 29 bp
5/1 ARM	3.83%		2.00%	7.25%	3.65%		1.00%	360.00%	Credit Unions by 18 bp
7/1 ARM	3.86%		1.00%	7.50%	3.80%		1.00%	6.50%	Credit Unions by 6 bp
15 Yr Fixed	4.19%		0.25%	8.00%	4.22%		1.00%	6.75%	Banks by 3 bp
20 Yr Fixed	3.63%		2.38%	7.55%	3.68%		1.00%	6.00%	Banks by 5 bp
30 Yr Fixed	4.78%		2.25%	7.25%	4.81%		1.00%	8.25%	Banks by 4 bp
Rv
Rv
New RV - 60 Mo	6.14%		0.01%	30.00%	4.94%		0.01%	11.99%	Credit Unions by 119 bp
Unsecured
Unsecured
Unsecured - 36 Mo	9.25%		0.10%	21.00%	8.71%		0.10%	21.00%	Credit Unions by 55 bp
CD
CD
3 Mo CD - $10k	0.08%		0.01%	1.27%	0.19%		0.01%	1.55%	Credit Unions by 11 bp
6 Mo CD - $10k	0.12%		0.01%	1.40%	0.28%		0.01%	1.42%	Credit Unions by 16 bp
1 Yr CD - $10k	0.18%		0.01%	2.05%	0.42%		0.01%	2.13%	Credit Unions by 23 bp
18 Mo CD - $10k	0.20%		0.00%	2.75%	0.48%		0.01%	2.75%	Credit Unions by 28 bp
2 Yr CD - $10k	0.26%		0.01%	2.90%	0.56%		0.01%	2.78%	Credit Unions by 30 bp
30 Mo CD - $10k	0.24%		0.01%	3.00%	0.63%		0.01%	3.10%	Credit Unions by 39 bp
3 Yr CD - $10k	0.31%		0.01%	3.15%	0.68%		0.01%	2.96%	Credit Unions by 37 bp
4 Yr CD - $10k	0.34%		0.01%	3.20%	0.78%		0.01%	2.97%	Credit Unions by 44 bp
5 Yr CD - $10k	0.40%		0.01%	3.25%	0.91%		0.01%	3.00%	Credit Unions by 50 bp
1 Mo CD - $100k	0.06%		0.01%	1.05%	0.20%		0.01%	1.05%	Credit Unions by 15 bp
2 Mo CD - $100k	0.05%		0.01%	0.55%	0.44%		0.08%	1.10%	Credit Unions by 39 bp
3 Mo CD - $100k	0.08%		0.01%	1.30%	0.22%		0.01%	3.10%	Credit Unions by 14 bp
6 Mo CD - $100k	0.13%		0.01%	1.40%	0.30%		0.01%	1.42%	Credit Unions by 18 bp
1 Yr CD - $100k	0.19%		0.01%	3.00%	0.45%		0.01%	2.13%	Credit Unions by 25 bp
2 Yr CD - $100k	0.26%		0.01%	2.90%	0.59%		0.01%	2.78%	Credit Unions by 33 bp
3 Yr CD - $100k	0.32%		0.01%	3.15%	0.72%		0.01%	8.00%	Credit Unions by 40 bp
Checking
Checking
Interest Checking - $5k	0.04%		0.01%	2.11%	0.09%		0.01%	5.00%	Credit Unions by 5 bp
Ira
Ira
Liquid IRA Account	0.11%		0.01%	2.20%	0.25%		0.01%	2.97%	Credit Unions by 14 bp
Money Market
Money Market
Money Market - $2.5k	0.06%		0.01%	1.50%	0.15%		0.01%	4.45%	Credit Unions by 9 bp
Money Market - $10k	0.07%		0.01%	1.50%	0.16%		0.01%	4.45%	Credit Unions by 10 bp
Money Market - $25k	0.08%		0.01%	1.25%	0.20%		0.01%	4.45%	Credit Unions by 12 bp
Money Market - $50k	0.10%		0.01%	1.25%	0.23%		0.01%	4.45%	Credit Unions by 14 bp
Money Market - $100k	0.12%		0.01%	1.35%	0.27%		0.00%	4.45%	Credit Unions by 15 bp
Money Market - $250k	0.13%		0.01%	1.35%	0.29%		0.00%	4.45%	Credit Unions by 16 bp
Savings
Savings
Regular Savings - $1k	0.05%		0.00%	2.02%	0.10%		0.01%	15.00%	Credit Unions by 4 bp