Rates based upon a survey of 276,776 financial institution locations in 19,608 markets across the United States as of 8/11/2022. 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	4.55%		0.10%	13.50%	3.19%		0.10%	11.00%	Credit Unions by 136 bp
New Car - 48 Mo	4.60%		1.49%	13.50%	3.32%		1.24%	11.00%	Credit Unions by 128 bp
New Car - 60 Mo	4.69%		1.85%	13.50%	3.44%		1.24%	11.00%	Credit Unions by 126 bp
New Car - 72 Mo	4.80%		1.85%	11.25%	3.73%		0.50%	11.00%	Credit Unions by 107 bp
Used Car - 36 Mo	4.93%		0.10%	13.75%	3.36%		0.10%	9.00%	Credit Unions by 158 bp
Used Car - 48 Mo	4.95%		1.49%	13.75%	3.48%		1.24%	10.99%	Credit Unions by 147 bp
Used Car - 60 Mo	4.90%		1.97%	30.00%	3.60%		1.24%	10.99%	Credit Unions by 131 bp
Used Car - 72 Mo	4.82%		1.99%	34.00%	3.88%		1.24%	10.99%	Credit Unions by 93 bp
Boat
Boat
New Boat - 60 Mo	6.30%		0.05%	30.00%	5.27%		0.05%	11.45%	Credit Unions by 103 bp
Credit Card
Credit Card
Rewards Credit Card	15.02%		4.99%	29.90%	11.37%		1.00%	18.00%	Credit Unions by 364 bp
Credit Card Classic	13.38%		4.99%	29.90%	11.32%		1.00%	20.74%	Credit Unions by 206 bp
Credit Card Platinum	14.35%		5.90%	27.24%	10.08%		1.00%	18.00%	Credit Unions by 427 bp
Home Equity
Home Equity
Home Equity - LOC	5.21%		2.25%	8.20%	4.82%		0.25%	18.00%	Credit Unions by 39 bp
Home Equity - 5 Yr	5.48%		2.30%	10.01%	4.78%		0.15%	9.00%	Credit Unions by 69 bp
Home Equity - 10 Yr	5.77%		2.38%	10.27%	5.25%		0.25%	9.05%	Credit Unions by 52 bp
Home Equity - 15 Yr	6.02%		2.38%	11.75%	5.57%		0.35%	9.35%	Credit Unions by 45 bp
Mortgage
Mortgage
3/1 ARM	4.38%		4.38%	4.38%	4.64%		4.64%	4.64%	Banks by 27 bp
5/1 ARM	5.39%		5.39%	5.39%	4.55%		4.52%	4.59%	Credit Unions by 83 bp
7/1 ARM	5.00%		5.00%	5.00%	0%		0%	0%
15 Yr Fixed	4.85%		4.57%	5.03%	4.61%		4.32%	5.28%	Credit Unions by 25 bp
20 Yr Fixed	5.21%		4.98%	5.43%	4.90%		4.90%	4.90%	Credit Unions by 30 bp
30 Yr Fixed	5.26%		4.95%	5.73%	5.24%		4.80%	6.11%	Credit Unions by 2 bp
Rv
Rv
New RV - 60 Mo	6.37%		0.01%	30.00%	5.27%		0.01%	11.74%	Credit Unions by 110 bp
Unsecured
Unsecured
Unsecured - 36 Mo	9.48%		0.10%	19.25%	8.84%		0.10%	21.00%	Credit Unions by 63 bp
CD
CD
3 Mo CD - $10k	0.13%		0.01%	2.35%	0.31%		0.01%	2.25%	Credit Unions by 18 bp
6 Mo CD - $10k	0.21%		0.01%	3.50%	0.48%		0.01%	2.75%	Credit Unions by 27 bp
1 Yr CD - $10k	0.33%		0.01%	7.00%	0.74%		0.01%	2.99%	Credit Unions by 41 bp
18 Mo CD - $10k	0.36%		0.00%	3.15%	0.85%		0.01%	3.20%	Credit Unions by 50 bp
2 Yr CD - $10k	0.41%		0.01%	3.44%	0.96%		0.01%	3.29%	Credit Unions by 54 bp
30 Mo CD - $10k	0.35%		0.01%	3.00%	1.07%		0.01%	3.33%	Credit Unions by 71 bp
3 Yr CD - $10k	0.47%		0.01%	3.49%	1.12%		0.01%	3.45%	Credit Unions by 65 bp
4 Yr CD - $10k	0.50%		0.01%	3.54%	1.22%		0.01%	3.55%	Credit Unions by 72 bp
5 Yr CD - $10k	0.57%		0.01%	3.59%	1.39%		0.01%	3.75%	Credit Unions by 82 bp
1 Mo CD - $100k	0.09%		0.01%	1.87%	0.24%		0.01%	1.05%	Credit Unions by 15 bp
2 Mo CD - $100k	0.05%		0.02%	1.05%	0.48%		0.10%	1.10%	Credit Unions by 42 bp
3 Mo CD - $100k	0.14%		0.01%	3.00%	0.34%		0.01%	3.10%	Credit Unions by 20 bp
6 Mo CD - $100k	0.22%		0.01%	4.50%	0.51%		0.01%	2.75%	Credit Unions by 29 bp
1 Yr CD - $100k	0.34%		0.01%	7.00%	0.78%		0.01%	2.99%	Credit Unions by 43 bp
2 Yr CD - $100k	0.43%		0.01%	3.44%	1.00%		0.01%	3.29%	Credit Unions by 57 bp
3 Yr CD - $100k	0.48%		0.01%	3.49%	1.16%		0.01%	3.50%	Credit Unions by 68 bp
Checking
Checking
Interest Checking - $5k	0.05%		0.00%	2.00%	0.10%		0.01%	5.00%	Credit Unions by 5 bp
Ira
Ira
Liquid IRA Account	0.15%		0.01%	3.11%	0.30%		0.01%	3.62%	Credit Unions by 15 bp
Money Market
Money Market
Money Market - $2.5k	0.09%		0.01%	2.28%	0.21%		0.01%	3.00%	Credit Unions by 12 bp
Money Market - $10k	0.10%		0.01%	2.28%	0.23%		0.01%	2.00%	Credit Unions by 13 bp
Money Market - $25k	0.12%		0.01%	2.28%	0.28%		0.01%	2.00%	Credit Unions by 16 bp
Money Market - $50k	0.14%		0.01%	2.28%	0.32%		0.01%	2.00%	Credit Unions by 18 bp
Money Market - $100k	0.17%		0.01%	2.28%	0.37%		0.00%	2.00%	Credit Unions by 20 bp
Money Market - $250k	0.19%		0.01%	2.50%	0.40%		0.00%	2.25%	Credit Unions by 20 bp
Savings
Savings
Regular Savings - $1k	0.07%		0.00%	2.13%	0.11%		0.01%	2.02%	Credit Unions by 4 bp