Rates based upon a survey of 332,661 financial institution locations in 19,713 markets across the United States as of 1/28/2026. 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 Auto - 36 Mo	7.10%		2.65%	17.50%	5.12%		1.99%	13.25%	Credit Unions by 198 bp
New Auto - 48 Mo	7.15%		2.65%	17.50%	5.24%		1.99%	13.25%	Credit Unions by 191 bp
New Auto - 60 Mo	7.22%		1.06%	17.50%	5.34%		1.99%	13.25%	Credit Unions by 188 bp
New Auto - 72 Mo	7.29%		2.65%	13.75%	5.60%		1.99%	9.95%	Credit Unions by 169 bp
Used Auto - 36 Mo	7.46%		2.99%	18.00%	5.33%		1.99%	11.00%	Credit Unions by 213 bp
Used Auto - 48 Mo	7.53%		2.99%	18.00%	5.45%		1.99%	11.00%	Credit Unions by 208 bp
Used Auto - 60 Mo	7.51%		2.99%	18.00%	5.55%		1.99%	11.00%	Credit Unions by 195 bp
Used Auto - 72 Mo	7.45%		2.99%	13.75%	5.81%		1.99%	13.00%	Credit Unions by 164 bp
Boat
Boat
New Boat-60 Mo	8.43%		0.50%	17.50%	7.42%		2.50%	18.00%	Credit Unions by 101 bp
Credit Card
Credit Card
Rewards Credit Card	17.50%		5.99%	28.49%	13.60%		1.00%	22.15%	Credit Unions by 389 bp
Credit Card Classic	15.97%		5.50%	29.90%	12.81%		1.00%	29.50%	Credit Unions by 316 bp
Credit Card Platinum	16.53%		3.10%	28.99%	12.23%		1.00%	19.95%	Credit Unions by 431 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.80%		0.25%	16.00%	6.92%		0.25%	18.00%	Credit Unions by 88 bp
Home Equity - 5 Yr 80%	7.53%		4.00%	12.50%	6.68%		1.00%	12.50%	Credit Unions by 85 bp
Home Equity - 10 Yr 80%	7.64%		2.50%	12.50%	7.02%		1.00%	12.90%	Credit Unions by 62 bp
Home Equity - 15 Yr 80%	7.72%		2.50%	12.99%	7.29%		1.00%	13.00%	Credit Unions by 43 bp
Mortgage
Mortgage
30 Yr Fixed	6.41%		3.50%	11.45%	6.25%		1.00%	9.03%	Credit Unions by 17 bp
20 Yr Fixed	6.10%		4.62%	9.00%	6.15%		1.00%	8.70%	Banks by 5 bp
15 Yr Fixed	5.97%		4.38%	15.13%	5.80%		1.00%	8.74%	Credit Unions by 17 bp
7 Yr ARM	6.36%		1.00%	8.50%	6.04%		1.00%	8.59%	Credit Unions by 32 bp
5 Yr ARM	6.36%		4.00%	9.99%	5.92%		1.00%	8.90%	Credit Unions by 44 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.45%		1.75%	18.00%	7.41%		1.00%	18.00%	Credit Unions by 105 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.31%		5.00%	25.17%	10.66%		2.75%	20.00%	Credit Unions by 65 bp
CD
CD
3 Mo CD - $10k	1.18%		0.01%	5.50%	2.01%		0.02%	5.33%	Credit Unions by 83 bp
6 Mo CD - $10k	1.60%		0.01%	5.10%	2.73%		0.01%	5.00%	Credit Unions by 113 bp
1 Yr CD - $10k	1.64%		0.01%	5.00%	2.97%		0.01%	5.12%	Credit Unions by 133 bp
18 Mo CD - $10k	1.41%		0.01%	5.50%	2.94%		0.01%	5.33%	Credit Unions by 152 bp
2 Yr CD - $10k	1.46%		0.01%	4.58%	2.86%		0.01%	4.59%	Credit Unions by 140 bp
30 Mo CD - $10k	1.14%		0.01%	6.91%	2.84%		0.05%	4.71%	Credit Unions by 169 bp
3 Yr CD - $10k	1.36%		0.01%	5.50%	2.82%		0.01%	4.60%	Credit Unions by 145 bp
4 Yr CD - $10k	1.33%		0.01%	5.50%	2.83%		0.05%	4.70%	Credit Unions by 150 bp
5 Yr CD - $10k	1.39%		0.01%	5.50%	2.90%		0.01%	4.50%	Credit Unions by 150 bp
3 Mo CD - $100k	1.23%		0.01%	5.50%	2.05%		0.01%	5.33%	Credit Unions by 82 bp
6 Mo CD - $100k	1.65%		0.01%	5.10%	2.76%		0.01%	5.00%	Credit Unions by 111 bp
1 Yr CD - $100k	1.70%		0.01%	5.00%	3.01%		0.01%	5.15%	Credit Unions by 131 bp
2 Yr CD - $100k	1.52%		0.01%	4.59%	2.90%		0.01%	4.75%	Credit Unions by 138 bp
3 Yr CD - $100k	1.41%		0.01%	5.50%	2.85%		0.01%	4.60%	Credit Unions by 145 bp
Checking
Checking
Basic Checking	0.12%		0.00%	11.00%	0.23%		0.01%	12.00%	Credit Unions by 11 bp
IRA
IRA
IRA - Liquid - $10k	0.41%		0.01%	5.00%	0.65%		0.01%	5.30%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.37%		0.01%	4.39%	0.74%		0.00%	5.04%	Credit Unions by 37 bp
Money Market - $10k	0.44%		0.01%	4.39%	0.84%		0.01%	4.09%	Credit Unions by 40 bp
Money Market - $25k	0.54%		0.01%	4.50%	0.99%		0.01%	20.00%	Credit Unions by 45 bp
Money Market - $50k	0.63%		0.01%	4.50%	1.15%		0.01%	20.00%	Credit Unions by 51 bp
Money Market - $100k	0.81%		0.01%	4.50%	1.38%		0.01%	20.00%	Credit Unions by 57 bp
Money Market - $250k	0.92%		0.01%	5.00%	1.53%		0.01%	49.00%	Credit Unions by 60 bp
Savings
Savings
Regular Savings	0.19%		0.01%	4.50%	0.17%		0.00%	6.00%	Banks by 2 bp