Rates based upon a survey of 316,346 financial institution locations in 19,713 markets across the United States as of 3/23/2025. 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	7.44%		2.65%	15.00%	5.61%		1.99%	9.95%	Credit Unions by 183 bp
New Auto - 48 Mo	7.48%		2.65%	15.00%	5.73%		1.99%	9.95%	Credit Unions by 174 bp
New Auto - 60 Mo	7.57%		1.06%	15.00%	5.84%		1.99%	9.95%	Credit Unions by 173 bp
New Auto - 72 Mo	7.64%		0.99%	15.60%	6.11%		1.99%	9.95%	Credit Unions by 153 bp
Used Auto - 36 Mo	7.78%		2.99%	16.10%	5.83%		1.99%	9.95%	Credit Unions by 195 bp
Used Auto - 48 Mo	7.83%		2.99%	16.10%	5.95%		1.99%	9.95%	Credit Unions by 188 bp
Used Auto - 60 Mo	7.83%		2.99%	16.10%	6.06%		1.99%	9.95%	Credit Unions by 177 bp
Used Auto - 72 Mo	7.95%		2.99%	16.70%	6.32%		1.99%	9.95%	Credit Unions by 163 bp
Boat
Boat
New Boat-60 Mo	8.48%		0.50%	15.75%	7.69%		2.00%	18.00%	Credit Unions by 79 bp
Credit Card
Credit Card
Rewards Credit Card	18.11%		4.99%	27.24%	13.96%		1.00%	22.90%	Credit Unions by 415 bp
Credit Card Classic	16.32%		5.50%	28.99%	13.14%		1.00%	29.50%	Credit Unions by 319 bp
Credit Card Platinum	17.09%		3.10%	29.74%	12.55%		1.00%	24.24%	Credit Unions by 454 bp
Home Equity
Home Equity
Home Equity - LOC 80%	8.38%		3.25%	16.00%	7.62%		0.25%	18.00%	Credit Unions by 76 bp
Home Equity - 5 Yr 80%	8.03%		4.00%	12.50%	6.96%		0.50%	13.00%	Credit Unions by 107 bp
Home Equity - 10 Yr 80%	8.09%		2.50%	12.50%	7.34%		1.00%	14.00%	Credit Unions by 74 bp
Home Equity - 15 Yr 80%	8.18%		2.50%	12.99%	7.64%		1.00%	14.25%	Credit Unions by 54 bp
Mortgage
Mortgage
30 Yr Fixed	6.63%		6.41%	6.85%	6.46%		6.12%	6.88%	Credit Unions by 16 bp
20 Yr Fixed	6.31%		6.10%	6.65%	6.30%		6.09%	6.50%	Credit Unions by 1 bp
15 Yr Fixed	5.92%		5.55%	6.09%	5.88%		5.44%	6.29%	Credit Unions by 4 bp
7 Yr ARM	6.69%		6.59%	6.88%	6.55%		5.88%	7.19%	Credit Unions by 14 bp
5 Yr ARM	6.86%		6.74%	6.99%	6.40%		5.62%	7.05%	Credit Unions by 46 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.54%		2.99%	18.00%	7.67%		1.00%	18.00%	Credit Unions by 87 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.52%		3.75%	25.17%	10.84%		1.49%	20.00%	Credit Unions by 69 bp
CD
CD
3 Mo CD - $10k	1.23%		0.01%	5.50%	2.08%		0.02%	5.33%	Credit Unions by 86 bp
6 Mo CD - $10k	1.59%		0.01%	5.50%	2.86%		0.01%	5.13%	Credit Unions by 127 bp
1 Yr CD - $10k	1.78%		0.01%	5.50%	3.15%		0.01%	5.30%	Credit Unions by 138 bp
18 Mo CD - $10k	1.48%		0.01%	5.50%	3.07%		0.01%	5.33%	Credit Unions by 160 bp
2 Yr CD - $10k	1.52%		0.01%	4.75%	2.95%		0.01%	5.01%	Credit Unions by 143 bp
30 Mo CD - $10k	1.16%		0.01%	5.50%	2.92%		0.05%	4.90%	Credit Unions by 176 bp
3 Yr CD - $10k	1.38%		0.01%	5.50%	2.88%		0.01%	5.65%	Credit Unions by 149 bp
4 Yr CD - $10k	1.34%		0.01%	5.50%	2.88%		0.05%	4.70%	Credit Unions by 154 bp
5 Yr CD - $10k	1.40%		0.01%	5.50%	2.94%		0.01%	4.62%	Credit Unions by 154 bp
3 Mo CD - $100k	1.29%		0.01%	5.50%	2.13%		0.02%	5.33%	Credit Unions by 84 bp
6 Mo CD - $100k	1.64%		0.01%	5.50%	2.90%		0.01%	6.00%	Credit Unions by 125 bp
1 Yr CD - $100k	1.83%		0.01%	5.50%	3.20%		0.01%	5.15%	Credit Unions by 137 bp
2 Yr CD - $100k	1.57%		0.01%	4.84%	2.99%		0.01%	4.90%	Credit Unions by 142 bp
3 Yr CD - $100k	1.42%		0.01%	5.50%	2.92%		0.01%	4.85%	Credit Unions by 150 bp
Checking
Checking
Basic Checking	0.13%		0.00%	3.25%	0.21%		0.01%	6.00%	Credit Unions by 9 bp
IRA
IRA
IRA - Liquid - $10k	0.43%		0.01%	5.45%	0.68%		0.01%	5.55%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.40%		0.01%	5.04%	0.75%		0.00%	5.00%	Credit Unions by 35 bp
Money Market - $10k	0.47%		0.01%	5.04%	0.86%		0.01%	4.59%	Credit Unions by 39 bp
Money Market - $25k	0.58%		0.01%	4.59%	1.01%		0.01%	4.59%	Credit Unions by 43 bp
Money Market - $50k	0.67%		0.01%	4.70%	1.16%		0.01%	4.59%	Credit Unions by 49 bp
Money Market - $100k	0.85%		0.01%	5.00%	1.41%		0.01%	4.59%	Credit Unions by 56 bp
Money Market - $250k	0.95%		0.01%	5.00%	1.55%		0.01%	4.59%	Credit Unions by 60 bp
Savings
Savings
Regular Savings	0.20%		0.01%	5.00%	0.19%		0.00%	6.18%	Banks by 2 bp