Rates based upon a survey of 345,045 financial institution locations in 19,713 markets across the United States as of 8/23/2026. 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	6.93%		2.00%	14.00%	4.91%		1.99%	13.25%	Credit Unions by 202 bp
New Auto - 48 Mo	6.98%		2.00%	14.00%	5.03%		1.99%	13.25%	Credit Unions by 196 bp
New Auto - 60 Mo	7.06%		2.00%	14.00%	5.13%		1.99%	13.25%	Credit Unions by 193 bp
New Auto - 72 Mo	7.11%		2.65%	14.00%	5.39%		1.99%	9.50%	Credit Unions by 172 bp
Used Auto - 36 Mo	7.30%		2.99%	26.00%	5.11%		1.99%	11.00%	Credit Unions by 218 bp
Used Auto - 48 Mo	7.35%		2.99%	26.00%	5.24%		1.99%	11.00%	Credit Unions by 212 bp
Used Auto - 60 Mo	7.32%		2.99%	26.00%	5.34%		1.99%	11.00%	Credit Unions by 198 bp
Used Auto - 72 Mo	7.27%		2.99%	14.00%	5.60%		1.99%	13.00%	Credit Unions by 166 bp
Boat
Boat
New Boat-60 Mo	8.34%		0.50%	14.00%	7.25%		2.50%	18.00%	Credit Unions by 109 bp
Credit Card
Credit Card
Rewards Credit Card	17.30%		4.49%	29.74%	13.58%		1.00%	19.95%	Credit Unions by 372 bp
Credit Card Classic	16.03%		0.10%	29.95%	12.78%		1.00%	28.74%	Credit Unions by 325 bp
Credit Card Platinum	16.50%		2.00%	29.74%	12.24%		1.00%	28.99%	Credit Unions by 426 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.60%		0.25%	16.00%	6.81%		0.25%	18.00%	Credit Unions by 79 bp
Home Equity - 5 Yr 80%	7.32%		4.00%	11.75%	6.63%		1.00%	11.50%	Credit Unions by 69 bp
Home Equity - 10 Yr 80%	7.52%		2.50%	12.49%	6.97%		1.00%	12.90%	Credit Unions by 55 bp
Home Equity - 15 Yr 80%	7.55%		2.50%	12.99%	7.26%		1.00%	13.00%	Credit Unions by 29 bp
Mortgage
Mortgage
30 Yr Fixed	6.68%		4.00%	11.45%	6.65%		1.00%	13.25%	Credit Unions by 3 bp
20 Yr Fixed	6.69%		4.62%	9.00%	6.54%		1.00%	8.70%	Credit Unions by 15 bp
15 Yr Fixed	6.23%		2.00%	10.85%	6.16%		1.00%	11.75%	Credit Unions by 6 bp
7 Yr ARM	6.55%		1.00%	8.50%	6.28%		1.00%	8.85%	Credit Unions by 27 bp
5 Yr ARM	6.60%		3.88%	9.99%	6.13%		1.00%	9.17%	Credit Unions by 47 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.35%		1.75%	15.22%	7.25%		1.00%	18.00%	Credit Unions by 110 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.32%		5.00%	36.00%	10.60%		2.75%	20.00%	Credit Unions by 72 bp
CD
CD
3 Mo CD - $10k	1.16%		0.01%	5.50%	2.00%		0.02%	5.33%	Credit Unions by 84 bp
6 Mo CD - $10k	1.55%		0.01%	5.10%	2.74%		0.01%	5.00%	Credit Unions by 119 bp
1 Yr CD - $10k	1.74%		0.01%	5.00%	3.02%		0.01%	4.59%	Credit Unions by 128 bp
18 Mo CD - $10k	1.45%		0.01%	5.50%	2.99%		0.01%	5.33%	Credit Unions by 154 bp
2 Yr CD - $10k	1.55%		0.01%	4.45%	2.94%		0.01%	4.55%	Credit Unions by 140 bp
30 Mo CD - $10k	1.20%		0.01%	6.91%	2.91%		0.05%	4.71%	Credit Unions by 170 bp
3 Yr CD - $10k	1.42%		0.01%	5.50%	2.91%		0.01%	5.00%	Credit Unions by 149 bp
4 Yr CD - $10k	1.38%		0.01%	5.50%	2.92%		0.05%	4.52%	Credit Unions by 154 bp
5 Yr CD - $10k	1.44%		0.01%	5.50%	3.00%		0.01%	4.50%	Credit Unions by 156 bp
3 Mo CD - $100k	1.21%		0.01%	5.50%	2.05%		0.01%	5.33%	Credit Unions by 84 bp
6 Mo CD - $100k	1.61%		0.01%	20.00%	2.77%		0.01%	5.00%	Credit Unions by 117 bp
1 Yr CD - $100k	1.80%		0.01%	5.00%	3.06%		0.01%	5.15%	Credit Unions by 126 bp
2 Yr CD - $100k	1.61%		0.01%	4.59%	2.98%		0.01%	4.55%	Credit Unions by 138 bp
3 Yr CD - $100k	1.46%		0.01%	5.50%	2.94%		0.01%	5.00%	Credit Unions by 148 bp
Checking
Checking
Basic Checking	0.12%		0.00%	11.00%	0.21%		0.01%	6.00%	Credit Unions by 9 bp
IRA
IRA
IRA - Liquid - $10k	0.40%		0.01%	5.30%	0.65%		0.01%	5.30%	Credit Unions by 25 bp
Money Market
Money Market
Money Market - $2.5k	0.38%		0.01%	4.01%	0.74%		0.00%	5.04%	Credit Unions by 36 bp
Money Market - $10k	0.44%		0.01%	4.01%	0.84%		0.01%	3.85%	Credit Unions by 40 bp
Money Market - $25k	0.63%		0.01%	4.01%	0.99%		0.01%	3.85%	Credit Unions by 36 bp
Money Market - $50k	0.73%		0.01%	4.01%	1.15%		0.01%	3.85%	Credit Unions by 42 bp
Money Market - $100k	0.90%		0.01%	4.01%	1.38%		0.01%	4.00%	Credit Unions by 48 bp
Money Market - $250k	1.02%		0.01%	5.00%	1.52%		0.01%	4.21%	Credit Unions by 50 bp
Savings
Savings
Regular Savings	0.19%		0.00%	5.00%	0.19%		0.00%	6.00%