Rates based upon a survey of 329,644 financial institution locations in 19,713 markets across the United States as of 12/5/2025. 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	7.20%		2.65%	17.50%	5.21%		1.99%	17.99%	Credit Unions by 198 bp
New Auto - 48 Mo	7.25%		2.65%	17.50%	5.33%		1.99%	17.99%	Credit Unions by 191 bp
New Auto - 60 Mo	7.32%		1.06%	17.50%	5.44%		1.99%	17.99%	Credit Unions by 189 bp
New Auto - 72 Mo	7.38%		2.65%	14.00%	5.69%		1.99%	17.99%	Credit Unions by 169 bp
Used Auto - 36 Mo	7.56%		2.99%	18.00%	5.43%		1.99%	17.99%	Credit Unions by 213 bp
Used Auto - 48 Mo	7.62%		2.99%	18.00%	5.55%		1.99%	17.99%	Credit Unions by 206 bp
Used Auto - 60 Mo	7.61%		2.99%	18.00%	5.66%		1.99%	17.99%	Credit Unions by 195 bp
Used Auto - 72 Mo	7.59%		2.99%	14.00%	5.92%		1.99%	32.73%	Credit Unions by 167 bp
Boat
Boat
New Boat-60 Mo	8.50%		0.50%	17.50%	7.49%		2.50%	18.00%	Credit Unions by 102 bp
Credit Card
Credit Card
Rewards Credit Card	17.76%		4.99%	28.74%	13.77%		1.00%	22.40%	Credit Unions by 400 bp
Credit Card Classic	16.36%		5.50%	29.90%	12.96%		1.00%	29.50%	Credit Unions by 341 bp
Credit Card Platinum	16.83%		3.10%	29.74%	12.39%		1.00%	19.95%	Credit Unions by 444 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.99%		0.25%	16.00%	7.18%		0.25%	18.00%	Credit Unions by 80 bp
Home Equity - 5 Yr 80%	7.64%		4.00%	12.50%	6.74%		1.00%	12.50%	Credit Unions by 90 bp
Home Equity - 10 Yr 80%	7.76%		2.50%	12.50%	7.11%		1.00%	12.90%	Credit Unions by 65 bp
Home Equity - 15 Yr 80%	7.83%		2.50%	12.99%	7.38%		1.00%	13.00%	Credit Unions by 45 bp
Mortgage
Mortgage
30 Yr Fixed	6.55%		3.50%	12.15%	6.37%		1.00%	13.25%	Credit Unions by 18 bp
20 Yr Fixed	6.15%		4.62%	9.00%	6.18%		1.00%	8.70%	Banks by 3 bp
15 Yr Fixed	6.08%		4.38%	15.13%	5.90%		1.00%	11.75%	Credit Unions by 18 bp
7 Yr ARM	6.40%		1.00%	8.50%	6.08%		1.00%	9.38%	Credit Unions by 33 bp
5 Yr ARM	6.40%		4.00%	10.25%	5.96%		1.00%	9.38%	Credit Unions by 44 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.51%		1.75%	18.00%	7.47%		1.00%	18.00%	Credit Unions by 104 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.33%		5.00%	25.17%	10.70%		1.64%	20.00%	Credit Unions by 63 bp
CD
CD
3 Mo CD - $10k	1.24%		0.01%	5.50%	2.02%		0.02%	5.33%	Credit Unions by 78 bp
6 Mo CD - $10k	1.64%		0.01%	5.10%	2.75%		0.01%	5.00%	Credit Unions by 111 bp
1 Yr CD - $10k	1.71%		0.01%	5.00%	3.01%		0.01%	5.12%	Credit Unions by 131 bp
18 Mo CD - $10k	1.42%		0.01%	5.50%	2.98%		0.01%	5.33%	Credit Unions by 156 bp
2 Yr CD - $10k	1.47%		0.01%	4.58%	2.88%		0.01%	4.59%	Credit Unions by 141 bp
30 Mo CD - $10k	1.14%		0.01%	6.91%	2.86%		0.05%	4.71%	Credit Unions by 172 bp
3 Yr CD - $10k	1.37%		0.01%	5.50%	2.83%		0.01%	4.60%	Credit Unions by 145 bp
4 Yr CD - $10k	1.33%		0.01%	5.50%	2.84%		0.05%	4.70%	Credit Unions by 151 bp
5 Yr CD - $10k	1.39%		0.01%	5.50%	2.90%		0.01%	4.59%	Credit Unions by 151 bp
3 Mo CD - $100k	1.28%		0.01%	5.50%	2.06%		0.01%	5.33%	Credit Unions by 78 bp
6 Mo CD - $100k	1.68%		0.01%	5.10%	2.79%		0.01%	5.00%	Credit Unions by 110 bp
1 Yr CD - $100k	1.76%		0.01%	5.00%	3.05%		0.01%	5.15%	Credit Unions by 130 bp
2 Yr CD - $100k	1.53%		0.01%	4.58%	2.93%		0.01%	4.75%	Credit Unions by 140 bp
3 Yr CD - $100k	1.41%		0.01%	5.50%	2.87%		0.01%	4.60%	Credit Unions by 145 bp
Checking
Checking
Basic Checking	0.12%		0.00%	11.00%	0.22%		0.01%	6.00%	Credit Unions by 10 bp
IRA
IRA
IRA - Liquid - $10k	0.41%		0.01%	5.00%	0.66%		0.01%	5.30%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.38%		0.01%	4.39%	0.75%		0.00%	5.04%	Credit Unions by 37 bp
Money Market - $10k	0.45%		0.01%	4.39%	0.85%		0.01%	4.09%	Credit Unions by 40 bp
Money Market - $25k	0.56%		0.01%	4.50%	1.00%		0.01%	5.00%	Credit Unions by 43 bp
Money Market - $50k	0.66%		0.01%	4.50%	1.15%		0.01%	5.00%	Credit Unions by 49 bp
Money Market - $100k	0.84%		0.01%	4.50%	1.39%		0.01%	5.00%	Credit Unions by 55 bp
Money Market - $250k	0.95%		0.01%	5.00%	1.53%		0.01%	5.00%	Credit Unions by 58 bp
Savings
Savings
Regular Savings	0.19%		0.01%	4.50%	0.18%		0.00%	6.00%	Banks by 2 bp