Rates based upon a survey of 348,485 financial institution locations in 19,713 markets across the United States as of 10/18/2026. 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	6.95%		2.65%	14.00%	4.97%		1.99%	13.25%	Credit Unions by 198 bp
New Auto - 48 Mo	7.00%		2.65%	14.00%	5.09%		1.99%	13.25%	Credit Unions by 191 bp
New Auto - 60 Mo	7.08%		2.65%	14.00%	5.20%		1.99%	13.25%	Credit Unions by 188 bp
New Auto - 72 Mo	7.14%		2.65%	14.00%	5.46%		1.99%	9.50%	Credit Unions by 169 bp
Used Auto - 36 Mo	7.31%		2.99%	14.00%	5.17%		1.99%	10.59%	Credit Unions by 214 bp
Used Auto - 48 Mo	7.36%		2.99%	14.00%	5.30%		1.99%	10.59%	Credit Unions by 207 bp
Used Auto - 60 Mo	7.33%		2.99%	14.00%	5.40%		1.99%	10.59%	Credit Unions by 193 bp
Used Auto - 72 Mo	7.29%		2.99%	14.00%	5.67%		1.99%	11.49%	Credit Unions by 162 bp
Boat
Boat
New Boat-60 Mo	8.36%		1.75%	14.00%	7.28%		2.50%	18.00%	Credit Unions by 108 bp
Credit Card
Credit Card
Rewards Credit Card	17.39%		4.49%	29.74%	13.68%		1.00%	19.95%	Credit Unions by 371 bp
Credit Card Classic	16.04%		0.10%	29.95%	12.87%		1.00%	28.74%	Credit Unions by 317 bp
Credit Card Platinum	16.61%		2.00%	29.74%	12.32%		1.00%	29.24%	Credit Unions by 428 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.66%		0.25%	16.00%	6.92%		0.25%	18.00%	Credit Unions by 73 bp
Home Equity - 5 Yr 80%	7.53%		4.00%	11.75%	6.72%		1.00%	11.50%	Credit Unions by 81 bp
Home Equity - 10 Yr 80%	7.74%		4.75%	12.49%	7.07%		1.00%	12.90%	Credit Unions by 67 bp
Home Equity - 15 Yr 80%	7.81%		4.75%	12.99%	7.37%		1.00%	13.00%	Credit Unions by 44 bp
Mortgage
Mortgage
30 Yr Fixed	7.01%		2.00%	11.45%	7.07%		1.00%	9.95%	Banks by 6 bp
20 Yr Fixed	7.26%		4.62%	9.00%	7.00%		1.00%	8.70%	Credit Unions by 27 bp
15 Yr Fixed	6.58%		2.00%	10.85%	6.57%		1.00%	9.75%	Credit Unions by 1 bp
7 Yr ARM	6.74%		1.00%	8.50%	6.59%		1.00%	8.85%	Credit Unions by 15 bp
5 Yr ARM	6.72%		4.00%	9.99%	6.46%		1.00%	9.17%	Credit Unions by 27 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.36%		1.75%	15.22%	7.30%		1.00%	18.00%	Credit Unions by 106 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.33%		5.00%	25.17%	10.61%		2.75%	27.32%	Credit Unions by 72 bp
CD
CD
3 Mo CD - $10k	1.16%		0.01%	5.50%	2.05%		0.02%	5.33%	Credit Unions by 88 bp
6 Mo CD - $10k	1.58%		0.01%	5.10%	2.81%		0.01%	6.00%	Credit Unions by 122 bp
1 Yr CD - $10k	1.81%		0.01%	5.00%	3.12%		0.01%	4.95%	Credit Unions by 131 bp
18 Mo CD - $10k	1.55%		0.01%	5.50%	3.11%		0.01%	5.33%	Credit Unions by 156 bp
2 Yr CD - $10k	1.61%		0.01%	5.09%	3.06%		0.01%	5.20%	Credit Unions by 145 bp
30 Mo CD - $10k	1.23%		0.01%	6.91%	3.00%		0.05%	5.15%	Credit Unions by 177 bp
3 Yr CD - $10k	1.46%		0.01%	5.50%	3.02%		0.01%	5.00%	Credit Unions by 156 bp
4 Yr CD - $10k	1.43%		0.01%	5.50%	3.03%		0.05%	4.94%	Credit Unions by 160 bp
5 Yr CD - $10k	1.48%		0.01%	5.50%	3.11%		0.01%	5.15%	Credit Unions by 163 bp
3 Mo CD - $100k	1.22%		0.01%	5.50%	2.09%		0.01%	5.33%	Credit Unions by 88 bp
6 Mo CD - $100k	1.63%		0.01%	5.10%	2.84%		0.01%	6.00%	Credit Unions by 120 bp
1 Yr CD - $100k	1.87%		0.01%	5.00%	3.16%		0.01%	5.15%	Credit Unions by 129 bp
2 Yr CD - $100k	1.67%		0.01%	5.20%	3.10%		0.01%	5.20%	Credit Unions by 143 bp
3 Yr CD - $100k	1.51%		0.01%	5.50%	3.06%		0.01%	5.00%	Credit Unions by 155 bp
Checking
Checking
Basic Checking	0.12%		0.00%	11.00%	0.23%		0.01%	7.23%	Credit Unions by 11 bp
IRA
IRA
IRA - Liquid - $10k	0.40%		0.01%	5.30%	0.66%		0.01%	5.30%	Credit Unions by 26 bp
Money Market
Money Market
Money Market - $2.5k	0.37%		0.01%	4.10%	0.76%		0.00%	5.05%	Credit Unions by 39 bp
Money Market - $10k	0.44%		0.01%	4.10%	0.87%		0.01%	4.35%	Credit Unions by 42 bp
Money Market - $25k	0.63%		0.01%	4.17%	1.02%		0.01%	4.35%	Credit Unions by 38 bp
Money Market - $50k	0.74%		0.01%	4.17%	1.18%		0.01%	7.00%	Credit Unions by 44 bp
Money Market - $100k	0.91%		0.01%	23.00%	1.43%		0.01%	23.00%	Credit Unions by 52 bp
Money Market - $250k	1.03%		0.01%	23.00%	1.58%		0.01%	23.00%	Credit Unions by 55 bp
Savings
Savings
Regular Savings	0.19%		0.00%	5.00%	0.20%		0.00%	6.00%	Credit Unions by 1 bp