Rates based upon a survey of 287,541 financial institution locations in 19,663 markets across the United States as of 6/4/2023. 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	6.30%		1.99%	14.00%	5.63%		1.49%	9.83%	Credit Unions by 67 bp
New Car - 48 Mo	6.35%		1.99%	14.00%	5.75%		1.69%	11.00%	Credit Unions by 60 bp
New Car - 60 Mo	6.43%		2.39%	14.00%	5.88%		1.69%	11.00%	Credit Unions by 55 bp
New Car - 72 Mo	6.59%		2.65%	14.00%	6.17%		1.99%	11.00%	Credit Unions by 43 bp
Used Car - 36 Mo	6.63%		1.99%	14.00%	5.82%		1.69%	10.85%	Credit Unions by 82 bp
Used Car - 48 Mo	6.68%		1.99%	14.00%	5.94%		1.69%	10.85%	Credit Unions by 73 bp
Used Car - 60 Mo	6.70%		2.39%	14.00%	6.07%		1.69%	11.25%	Credit Unions by 63 bp
Used Car - 72 Mo	6.68%		2.88%	14.00%	6.37%		2.19%	10.30%	Credit Unions by 31 bp
Boat
Boat
New Boat - 60 Mo	7.43%		2.99%	15.75%	7.25%		0.05%	14.49%	Credit Unions by 18 bp
Credit Card
Credit Card
Rewards Credit Card	18.11%		4.99%	29.90%	13.67%		1.00%	21.00%	Credit Unions by 444 bp
Credit Card Classic	15.76%		6.90%	25.99%	12.82%		1.00%	22.99%	Credit Unions by 294 bp
Credit Card Platinum	17.61%		3.10%	29.99%	12.29%		1.00%	23.99%	Credit Unions by 532 bp
Home Equity
Home Equity
Home Equity - LOC	8.51%		2.99%	12.49%	7.93%		0.25%	15.00%	Credit Unions by 58 bp
Home Equity - 5 Yr	7.34%		2.99%	12.11%	6.56%		0.15%	10.75%	Credit Unions by 78 bp
Home Equity - 10 Yr	7.52%		2.50%	12.37%	6.95%		0.25%	11.00%	Credit Unions by 57 bp
Home Equity - 15 Yr	7.74%		2.50%	12.40%	7.23%		0.35%	12.49%	Credit Unions by 51 bp
Mortgage
Mortgage
3/1 ARM	0%		0%	0%	5.62%		5.62%	5.62%
5/1 ARM	7.61%		7.28%	7.81%	5.95%		5.24%	7.30%	Credit Unions by 166 bp
7/1 ARM	7.16%		6.88%	7.51%	5.94%		5.50%	6.38%	Credit Unions by 122 bp
15 Yr Fixed	6.26%		6.08%	6.73%	6.04%		5.82%	6.38%	Credit Unions by 23 bp
20 Yr Fixed	6.60%		6.23%	7.26%	6.54%		6.54%	6.54%	Credit Unions by 6 bp
30 Yr Fixed	6.74%		6.32%	7.39%	6.68%		6.24%	7.13%	Credit Unions by 6 bp
Rv
Rv
New RV - 60 Mo	7.47%		2.99%	14.99%	7.27%		0.01%	13.99%	Credit Unions by 20 bp
Unsecured
Unsecured
Unsecured - 36 Mo	10.50%		4.23%	19.90%	10.32%		0.10%	21.00%	Credit Unions by 18 bp
CD
CD
3 Mo CD - $10k	0.78%		0.01%	5.30%	1.35%		0.01%	6.00%	Credit Unions by 57 bp
6 Mo CD - $10k	1.09%		0.01%	5.55%	2.06%		0.01%	5.50%	Credit Unions by 97 bp
1 Yr CD - $10k	1.40%		0.01%	5.35%	2.71%		0.01%	6.00%	Credit Unions by 130 bp
18 Mo CD - $10k	1.28%		0.00%	5.35%	2.76%		0.01%	5.60%	Credit Unions by 148 bp
2 Yr CD - $10k	1.29%		0.01%	5.25%	2.73%		0.01%	5.70%	Credit Unions by 144 bp
30 Mo CD - $10k	1.07%		0.01%	4.75%	2.74%		0.01%	5.70%	Credit Unions by 167 bp
3 Yr CD - $10k	1.26%		0.01%	5.05%	2.67%		0.01%	5.80%	Credit Unions by 141 bp
4 Yr CD - $10k	1.24%		0.01%	4.95%	2.71%		0.01%	5.90%	Credit Unions by 147 bp
5 Yr CD - $10k	1.30%		0.01%	5.10%	2.83%		0.01%	5.90%	Credit Unions by 153 bp
1 Mo CD - $100k	0.38%		0.01%	12.00%	0.79%		0.02%	4.60%	Credit Unions by 40 bp
2 Mo CD - $100k	0.13%		0.01%	4.81%	1.37%		0.05%	4.25%	Credit Unions by 125 bp
3 Mo CD - $100k	0.84%		0.01%	5.30%	1.38%		0.01%	6.00%	Credit Unions by 54 bp
6 Mo CD - $100k	1.14%		0.01%	5.50%	2.09%		0.01%	5.50%	Credit Unions by 95 bp
1 Yr CD - $100k	1.47%		0.01%	5.35%	2.75%		0.01%	5.60%	Credit Unions by 128 bp
2 Yr CD - $100k	1.35%		0.01%	5.25%	2.78%		0.01%	5.70%	Credit Unions by 143 bp
3 Yr CD - $100k	1.29%		0.01%	5.05%	2.72%		0.01%	5.80%	Credit Unions by 143 bp
Checking
Checking
Interest Checking - $5k	0.12%		0.00%	5.00%	0.20%		0.01%	5.64%	Credit Unions by 7 bp
Ira
Ira
Liquid IRA Account	0.35%		0.01%	5.93%	0.60%		0.01%	5.22%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.37%		0.01%	5.00%	0.65%		0.01%	5.00%	Credit Unions by 27 bp
Money Market - $10k	0.44%		0.01%	5.00%	0.73%		0.01%	4.17%	Credit Unions by 29 bp
Money Market - $25k	0.53%		0.01%	5.00%	0.86%		0.01%	4.17%	Credit Unions by 32 bp
Money Market - $50k	0.62%		0.01%	5.00%	0.97%		0.01%	4.17%	Credit Unions by 35 bp
Money Market - $100k	0.75%		0.01%	5.00%	1.16%		0.00%	4.18%	Credit Unions by 41 bp
Money Market - $250k	0.83%		0.01%	15.00%	1.26%		0.00%	5.00%	Credit Unions by 43 bp
Savings
Savings
Regular Savings - $1k	0.19%		0.01%	4.76%	0.18%		0.01%	6.17%	Banks by 1 bp