Rates based upon a survey of 280,501 financial institution locations in 19,663 markets across the United States as of 11/29/2022. 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	5.25%		1.99%	13.50%	4.43%		0.40%	12.07%	Credit Unions by 83 bp
New Car - 48 Mo	5.29%		1.99%	13.50%	4.56%		0.40%	12.07%	Credit Unions by 73 bp
New Car - 60 Mo	5.38%		1.99%	13.50%	4.68%		0.40%	12.07%	Credit Unions by 70 bp
New Car - 72 Mo	5.54%		2.20%	11.00%	4.98%		0.50%	12.07%	Credit Unions by 55 bp
Used Car - 36 Mo	5.64%		1.99%	13.75%	4.61%		0.40%	12.75%	Credit Unions by 102 bp
Used Car - 48 Mo	5.65%		1.99%	13.75%	4.75%		0.40%	12.75%	Credit Unions by 91 bp
Used Car - 60 Mo	5.68%		1.99%	13.50%	4.87%		0.40%	12.75%	Credit Unions by 81 bp
Used Car - 72 Mo	5.60%		2.20%	10.50%	5.17%		0.50%	12.75%	Credit Unions by 43 bp
Boat
Boat
New Boat - 60 Mo	6.70%		0.05%	14.25%	6.23%		0.05%	16.49%	Credit Unions by 48 bp
Credit Card
Credit Card
Rewards Credit Card	16.45%		4.99%	29.90%	12.41%		1.00%	18.74%	Credit Unions by 403 bp
Credit Card Classic	14.46%		6.90%	25.99%	11.90%		1.00%	19.99%	Credit Unions by 256 bp
Credit Card Platinum	15.82%		3.10%	28.49%	11.01%		1.00%	18.00%	Credit Unions by 481 bp
Home Equity
Home Equity
Home Equity - LOC	6.86%		2.99%	9.50%	6.48%		0.25%	15.00%	Credit Unions by 38 bp
Home Equity - 5 Yr	6.54%		2.75%	11.11%	5.90%		0.15%	10.49%	Credit Unions by 64 bp
Home Equity - 10 Yr	6.92%		2.50%	13.75%	6.28%		0.25%	10.99%	Credit Unions by 64 bp
Home Equity - 15 Yr	7.22%		2.50%	13.75%	6.58%		0.35%	12.49%	Credit Unions by 64 bp
Mortgage
Mortgage
3/1 ARM	0%		0%	0%	5.74%		5.74%	5.74%
5/1 ARM	6.84%		6.51%	7.17%	5.61%		4.52%	6.48%	Credit Unions by 123 bp
7/1 ARM	6.65%		6.43%	7.02%	6.24%		6.00%	6.49%	Credit Unions by 41 bp
15 Yr Fixed	6.06%		5.53%	6.48%	5.89%		5.61%	6.47%	Credit Unions by 17 bp
20 Yr Fixed	6.31%		6.31%	6.31%	6.00%		5.84%	6.16%	Credit Unions by 31 bp
30 Yr Fixed	6.43%		6.20%	7.06%	6.39%		5.91%	7.00%	Credit Unions by 5 bp
Rv
Rv
New RV - 60 Mo	6.82%		0.01%	13.50%	6.23%		0.01%	16.99%	Credit Unions by 59 bp
Unsecured
Unsecured
Unsecured - 36 Mo	9.87%		0.10%	18.49%	9.59%		0.10%	21.00%	Credit Unions by 28 bp
CD
CD
3 Mo CD - $10k	0.32%		0.01%	4.00%	0.71%		0.01%	4.25%	Credit Unions by 39 bp
6 Mo CD - $10k	0.51%		0.01%	4.40%	1.04%		0.01%	4.39%	Credit Unions by 53 bp
1 Yr CD - $10k	0.78%		0.01%	4.70%	1.57%		0.01%	4.89%	Credit Unions by 79 bp
18 Mo CD - $10k	0.80%		0.00%	4.80%	1.81%		0.01%	4.76%	Credit Unions by 102 bp
2 Yr CD - $10k	0.86%		0.01%	4.85%	1.84%		0.01%	4.86%	Credit Unions by 98 bp
30 Mo CD - $10k	0.71%		0.01%	4.80%	1.99%		0.01%	4.50%	Credit Unions by 128 bp
3 Yr CD - $10k	0.88%		0.01%	5.05%	1.97%		0.01%	4.58%	Credit Unions by 109 bp
4 Yr CD - $10k	0.89%		0.01%	5.10%	2.06%		0.01%	4.75%	Credit Unions by 117 bp
5 Yr CD - $10k	0.96%		0.01%	5.15%	2.25%		0.01%	5.00%	Credit Unions by 128 bp
1 Mo CD - $100k	0.20%		0.01%	3.53%	0.45%		0.02%	3.00%	Credit Unions by 26 bp
2 Mo CD - $100k	0.15%		0.01%	3.53%	1.05%		0.05%	2.70%	Credit Unions by 89 bp
3 Mo CD - $100k	0.43%		0.01%	4.00%	0.74%		0.01%	4.25%	Credit Unions by 31 bp
6 Mo CD - $100k	0.53%		0.01%	4.40%	1.08%		0.01%	4.50%	Credit Unions by 55 bp
1 Yr CD - $100k	0.80%		0.01%	4.70%	1.63%		0.01%	5.13%	Credit Unions by 82 bp
2 Yr CD - $100k	0.88%		0.01%	4.85%	1.90%		0.01%	4.86%	Credit Unions by 101 bp
3 Yr CD - $100k	0.90%		0.01%	5.05%	2.02%		0.01%	4.58%	Credit Unions by 113 bp
Checking
Checking
Interest Checking - $5k	0.08%		0.01%	4.00%	0.14%		0.01%	5.00%	Credit Unions by 6 bp
Ira
Ira
Liquid IRA Account	0.27%		0.01%	4.70%	0.42%		0.01%	4.63%	Credit Unions by 15 bp
Money Market
Money Market
Money Market - $2.5k	0.18%		0.01%	3.82%	0.38%		0.01%	3.00%	Credit Unions by 20 bp
Money Market - $10k	0.23%		0.01%	3.82%	0.44%		0.01%	3.00%	Credit Unions by 21 bp
Money Market - $25k	0.28%		0.01%	3.82%	0.51%		0.01%	3.00%	Credit Unions by 23 bp
Money Market - $50k	0.32%		0.01%	3.82%	0.58%		0.01%	3.00%	Credit Unions by 26 bp
Money Market - $100k	0.39%		0.01%	3.82%	0.68%		0.00%	3.00%	Credit Unions by 29 bp
Money Market - $250k	0.43%		0.01%	15.00%	0.73%		0.00%	3.50%	Credit Unions by 30 bp
Savings
Savings
Regular Savings - $1k	0.13%		0.01%	4.00%	0.14%		0.01%	6.17%	Credit Unions by 1 bp