Rates based upon a survey of 265,358 financial institution locations in 19,600 markets across the United States as of 12/1/2021. 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	4.12%		0.29%	13.50%	2.56%		0.99%	6.29%	Credit Unions by 156 bp
New Car - 48 Mo	4.16%		1.49%	13.50%	2.69%		0.99%	6.75%	Credit Unions by 148 bp
New Car - 60 Mo	4.24%		1.64%	13.50%	2.79%		1.24%	7.25%	Credit Unions by 144 bp
New Car - 72 Mo	4.29%		0.15%	11.25%	3.11%		1.24%	15.23%	Credit Unions by 118 bp
Used Car - 36 Mo	4.53%		1.24%	13.95%	2.76%		0.99%	7.50%	Credit Unions by 177 bp
Used Car - 48 Mo	4.54%		1.49%	13.95%	2.88%		1.24%	10.99%	Credit Unions by 166 bp
Used Car - 60 Mo	4.42%		1.84%	30.00%	2.98%		1.24%	10.99%	Credit Unions by 144 bp
Used Car - 72 Mo	4.37%		1.84%	34.00%	3.28%		1.49%	10.99%	Credit Unions by 109 bp
Boat
Boat
New Boat - 60 Mo	6.14%		1.91%	30.00%	4.96%		0.05%	11.25%	Credit Unions by 117 bp
Credit Card
Credit Card
Rewards Credit Card	13.55%		4.99%	29.90%	10.42%		1.00%	18.00%	Credit Unions by 313 bp
Credit Card Classic	12.26%		4.99%	29.99%	10.98%		1.00%	18.00%	Credit Unions by 128 bp
Credit Card Platinum	12.77%		5.25%	26.99%	9.26%		1.00%	18.00%	Credit Unions by 352 bp
Home Equity
Home Equity
Home Equity - LOC	4.19%		2.24%	7.75%	3.76%		1.00%	8.50%	Credit Unions by 43 bp
Home Equity - 5 Yr	4.68%		2.15%	9.50%	4.20%		0.15%	9.00%	Credit Unions by 48 bp
Home Equity - 10 Yr	4.91%		2.38%	9.75%	4.60%		0.25%	9.00%	Credit Unions by 31 bp
Home Equity - 15 Yr	5.04%		2.38%	11.75%	4.89%		0.35%	9.00%	Credit Unions by 15 bp
Mortgage
Mortgage
1 Yr ARM	3.20%		1.75%	6.00%	2.97%		1.00%	5.00%	Credit Unions by 23 bp
3/1 ARM	3.47%		1.00%	7.00%	2.95%		1.00%	5.50%	Credit Unions by 53 bp
5/1 ARM	3.27%		1.25%	7.75%	2.93%		1.00%	6.23%	Credit Unions by 33 bp
7/1 ARM	3.25%		1.40%	7.75%	3.04%		1.00%	6.25%	Credit Unions by 21 bp
15 Yr Fixed	2.76%		0.25%	8.00%	2.74%		1.00%	6.75%	Credit Unions by 2 bp
20 Yr Fixed	3.59%		2.37%	7.55%	3.51%		0.00%	6.00%	Credit Unions by 8 bp
30 Yr Fixed	3.26%		2.00%	7.28%	3.25%		0.30%	8.25%	Credit Unions by 2 bp
Rv
Rv
New RV - 60 Mo	6.23%		1.91%	30.00%	5.23%		1.00%	841.00%	Credit Unions by 100 bp
Unsecured
Unsecured
Unsecured - 36 Mo	9.24%		1.00%	21.00%	8.79%		2.99%	21.00%	Credit Unions by 45 bp
CD
CD
3 Mo CD - $10k	0.07%		0.01%	1.50%	0.16%		0.01%	1.55%	Credit Unions by 9 bp
6 Mo CD - $10k	0.11%		0.01%	25.00%	0.24%		0.01%	2.25%	Credit Unions by 14 bp
1 Yr CD - $10k	0.16%		0.01%	2.00%	0.35%		0.01%	2.35%	Credit Unions by 19 bp
18 Mo CD - $10k	0.18%		0.00%	2.75%	0.40%		0.01%	2.75%	Credit Unions by 21 bp
2 Yr CD - $10k	0.22%		0.01%	2.75%	0.46%		0.01%	2.75%	Credit Unions by 24 bp
30 Mo CD - $10k	0.29%		0.01%	14.00%	0.50%		0.01%	3.10%	Credit Unions by 21 bp
3 Yr CD - $10k	0.27%		0.01%	2.15%	0.57%		0.01%	2.60%	Credit Unions by 30 bp
4 Yr CD - $10k	0.30%		0.01%	2.35%	0.66%		0.01%	2.65%	Credit Unions by 35 bp
5 Yr CD - $10k	0.36%		0.01%	2.35%	0.76%		0.01%	2.75%	Credit Unions by 40 bp
1 Mo CD - $100k	0.05%		0.00%	0.65%	0.18%		0.01%	1.00%	Credit Unions by 12 bp
2 Mo CD - $100k	0.07%		0.01%	0.55%	0.40%		0.08%	1.10%	Credit Unions by 33 bp
3 Mo CD - $100k	0.08%		0.01%	1.50%	0.19%		0.01%	3.10%	Credit Unions by 11 bp
6 Mo CD - $100k	0.11%		0.01%	1.50%	0.26%		0.01%	1.40%	Credit Unions by 15 bp
1 Yr CD - $100k	0.17%		0.01%	3.00%	0.37%		0.01%	2.00%	Credit Unions by 20 bp
2 Yr CD - $100k	0.23%		0.01%	2.75%	0.49%		0.01%	2.75%	Credit Unions by 26 bp
3 Yr CD - $100k	0.28%		0.01%	2.15%	0.59%		0.01%	2.79%	Credit Unions by 31 bp
Checking
Checking
Interest Checking - $5k	0.04%		0.00%	1.50%	0.09%		0.01%	3.25%	Credit Unions by 5 bp
Ira
Ira
Liquid IRA Account	0.11%		0.01%	2.18%	0.25%		0.01%	2.97%	Credit Unions by 14 bp
Money Market
Money Market
Money Market - $2.5k	0.06%		0.01%	1.50%	0.14%		0.00%	3.00%	Credit Unions by 8 bp
Money Market - $10k	0.07%		0.01%	0.95%	0.15%		0.01%	1.00%	Credit Unions by 9 bp
Money Market - $25k	0.08%		0.01%	1.25%	0.19%		0.01%	1.25%	Credit Unions by 11 bp
Money Market - $50k	0.09%		0.01%	1.25%	0.22%		0.01%	1.25%	Credit Unions by 12 bp
Money Market - $100k	0.11%		0.01%	1.35%	0.26%		0.00%	1.35%	Credit Unions by 14 bp
Money Market - $250k	0.13%		0.01%	1.35%	0.27%		0.00%	1.35%	Credit Unions by 15 bp
Savings
Savings
Regular Savings - $1k	0.05%		0.00%	2.02%	0.09%		0.01%	2.02%	Credit Unions by 4 bp