Rates based upon a survey of 338,388 financial institution locations in 19,713 markets across the United States as of 5/5/2026. 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	6.99%		2.65%	17.50%	4.97%		1.99%	13.25%	Credit Unions by 202 bp
New Auto - 48 Mo	7.04%		2.65%	17.50%	5.08%		1.99%	13.25%	Credit Unions by 196 bp
New Auto - 60 Mo	7.12%		1.06%	17.50%	5.19%		1.99%	13.25%	Credit Unions by 193 bp
New Auto - 72 Mo	7.16%		2.65%	13.75%	5.44%		1.99%	9.50%	Credit Unions by 172 bp
Used Auto - 36 Mo	7.34%		2.95%	18.00%	5.17%		1.99%	11.00%	Credit Unions by 217 bp
Used Auto - 48 Mo	7.41%		2.95%	18.00%	5.29%		1.99%	11.00%	Credit Unions by 212 bp
Used Auto - 60 Mo	7.39%		2.95%	18.00%	5.39%		1.99%	11.00%	Credit Unions by 200 bp
Used Auto - 72 Mo	7.30%		2.95%	13.75%	5.65%		1.99%	13.00%	Credit Unions by 165 bp
Boat
Boat
New Boat-60 Mo	8.37%		0.50%	17.50%	7.31%		2.50%	18.00%	Credit Unions by 106 bp
Credit Card
Credit Card
Rewards Credit Card	17.40%		5.99%	29.90%	13.54%		1.00%	22.15%	Credit Unions by 386 bp
Credit Card Classic	15.99%		0.10%	29.90%	12.77%		1.00%	29.50%	Credit Unions by 322 bp
Credit Card Platinum	16.48%		2.00%	28.99%	12.23%		1.00%	28.99%	Credit Unions by 425 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.64%		0.25%	16.00%	6.82%		0.25%	18.00%	Credit Unions by 82 bp
Home Equity - 5 Yr 80%	7.38%		4.00%	12.50%	6.61%		1.00%	11.50%	Credit Unions by 78 bp
Home Equity - 10 Yr 80%	7.52%		2.50%	12.50%	6.95%		1.00%	12.90%	Credit Unions by 57 bp
Home Equity - 15 Yr 80%	7.57%		2.50%	12.99%	7.24%		1.00%	13.00%	Credit Unions by 34 bp
Mortgage
Mortgage
30 Yr Fixed	6.50%		3.50%	11.45%	6.39%		1.00%	13.25%	Credit Unions by 11 bp
20 Yr Fixed	6.45%		4.62%	9.00%	6.34%		1.00%	8.70%	Credit Unions by 11 bp
15 Yr Fixed	6.04%		2.00%	11.00%	5.92%		1.00%	11.75%	Credit Unions by 12 bp
7 Yr ARM	6.39%		1.00%	8.50%	6.12%		1.00%	8.59%	Credit Unions by 27 bp
5 Yr ARM	6.38%		4.00%	10.25%	5.97%		1.00%	8.90%	Credit Unions by 40 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.38%		1.75%	18.00%	7.30%		1.00%	18.00%	Credit Unions by 108 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.25%		5.00%	25.17%	10.60%		1.99%	36.00%	Credit Unions by 65 bp
CD
CD
3 Mo CD - $10k	1.15%		0.01%	5.50%	1.99%		0.02%	5.33%	Credit Unions by 84 bp
6 Mo CD - $10k	1.52%		0.01%	5.27%	2.72%		0.01%	5.00%	Credit Unions by 119 bp
1 Yr CD - $10k	1.67%		0.01%	5.00%	2.97%		0.01%	4.59%	Credit Unions by 130 bp
18 Mo CD - $10k	1.41%		0.01%	5.50%	2.93%		0.01%	5.33%	Credit Unions by 152 bp
2 Yr CD - $10k	1.50%		0.01%	4.58%	2.87%		0.01%	4.59%	Credit Unions by 137 bp
30 Mo CD - $10k	1.18%		0.01%	6.91%	2.84%		0.05%	4.71%	Credit Unions by 166 bp
3 Yr CD - $10k	1.39%		0.01%	5.50%	2.83%		0.01%	4.60%	Credit Unions by 144 bp
4 Yr CD - $10k	1.36%		0.01%	5.50%	2.85%		0.05%	4.70%	Credit Unions by 149 bp
5 Yr CD - $10k	1.41%		0.01%	5.50%	2.92%		0.01%	4.50%	Credit Unions by 150 bp
3 Mo CD - $100k	1.20%		0.01%	5.50%	2.04%		0.02%	5.33%	Credit Unions by 84 bp
6 Mo CD - $100k	1.58%		0.01%	5.27%	2.75%		0.01%	5.00%	Credit Unions by 117 bp
1 Yr CD - $100k	1.72%		0.01%	5.00%	3.01%		0.01%	5.15%	Credit Unions by 128 bp
2 Yr CD - $100k	1.56%		0.01%	4.59%	2.91%		0.01%	4.59%	Credit Unions by 135 bp
3 Yr CD - $100k	1.43%		0.01%	5.50%	2.87%		0.01%	4.60%	Credit Unions by 144 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	0.40%		0.01%	5.00%	0.65%		0.01%	5.30%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.37%		0.01%	4.25%	0.73%		0.00%	5.04%	Credit Unions by 36 bp
Money Market - $10k	0.44%		0.01%	4.18%	0.84%		0.01%	4.07%	Credit Unions by 39 bp
Money Market - $25k	0.56%		0.01%	4.50%	0.99%		0.01%	4.25%	Credit Unions by 43 bp
Money Market - $50k	0.66%		0.01%	4.50%	1.14%		0.01%	5.00%	Credit Unions by 49 bp
Money Market - $100k	0.83%		0.01%	4.50%	1.38%		0.01%	5.00%	Credit Unions by 55 bp
Money Market - $250k	0.95%		0.01%	5.00%	1.52%		0.01%	5.00%	Credit Unions by 57 bp
Savings
Savings
Regular Savings	0.19%		0.01%	5.00%	0.19%		0.00%	6.00%