Rates based upon a survey of 335,708 financial institution locations in 19,713 markets across the United States as of 3/21/2026. 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	7.05%		2.65%	17.50%	5.02%		1.99%	13.25%	Credit Unions by 203 bp
New Auto - 48 Mo	7.11%		2.65%	17.50%	5.14%		1.99%	13.25%	Credit Unions by 197 bp
New Auto - 60 Mo	7.18%		1.06%	17.50%	5.24%		1.99%	13.25%	Credit Unions by 194 bp
New Auto - 72 Mo	7.22%		2.65%	13.75%	5.50%		1.99%	9.95%	Credit Unions by 172 bp
Used Auto - 36 Mo	7.42%		2.99%	18.00%	5.23%		1.99%	11.00%	Credit Unions by 219 bp
Used Auto - 48 Mo	7.50%		2.99%	18.00%	5.35%		1.99%	11.00%	Credit Unions by 215 bp
Used Auto - 60 Mo	7.48%		2.99%	18.00%	5.46%		1.99%	11.00%	Credit Unions by 202 bp
Used Auto - 72 Mo	7.39%		2.99%	13.75%	5.71%		1.99%	13.00%	Credit Unions by 167 bp
Boat
Boat
New Boat-60 Mo	8.41%		0.50%	17.50%	7.36%		2.50%	18.00%	Credit Unions by 105 bp
Credit Card
Credit Card
Rewards Credit Card	17.48%		4.29%	29.90%	13.56%		1.00%	22.15%	Credit Unions by 392 bp
Credit Card Classic	15.93%		4.59%	29.90%	12.81%		1.00%	29.50%	Credit Unions by 312 bp
Credit Card Platinum	16.51%		2.00%	28.99%	12.23%		1.00%	28.99%	Credit Unions by 429 bp
Home Equity
Home Equity
Home Equity - LOC 80%	7.71%		0.25%	16.00%	6.87%		0.25%	18.00%	Credit Unions by 84 bp
Home Equity - 5 Yr 80%	7.44%		4.00%	12.50%	6.63%		1.00%	12.50%	Credit Unions by 81 bp
Home Equity - 10 Yr 80%	7.56%		2.50%	12.50%	6.97%		1.00%	12.90%	Credit Unions by 58 bp
Home Equity - 15 Yr 80%	7.63%		2.50%	12.99%	7.25%		1.00%	13.00%	Credit Unions by 38 bp
Mortgage
Mortgage
30 Yr Fixed	6.41%		3.50%	11.45%	6.25%		1.00%	9.95%	Credit Unions by 15 bp
20 Yr Fixed	6.34%		4.62%	9.00%	6.25%		1.00%	8.70%	Credit Unions by 9 bp
15 Yr Fixed	5.97%		3.13%	15.13%	5.83%		1.00%	9.75%	Credit Unions by 14 bp
7 Yr ARM	6.35%		1.00%	8.50%	6.02%		1.00%	9.00%	Credit Unions by 34 bp
5 Yr ARM	6.35%		3.25%	10.25%	5.89%		1.00%	8.90%	Credit Unions by 46 bp
Motorhome
Motorhome
New Motorhome-60 Mo	8.42%		1.75%	18.00%	7.35%		1.00%	18.00%	Credit Unions by 107 bp
Unsecured
Unsecured
Unsecured - 36 Mo	11.29%		5.00%	25.17%	10.62%		2.75%	20.00%	Credit Unions by 67 bp
CD
CD
3 Mo CD - $10k	1.15%		0.01%	5.50%	2.00%		0.02%	5.33%	Credit Unions by 85 bp
6 Mo CD - $10k	1.59%		0.01%	5.27%	2.72%		0.01%	5.00%	Credit Unions by 113 bp
1 Yr CD - $10k	1.61%		0.01%	5.00%	2.95%		0.01%	5.12%	Credit Unions by 134 bp
18 Mo CD - $10k	1.41%		0.01%	5.50%	2.92%		0.01%	5.33%	Credit Unions by 151 bp
2 Yr CD - $10k	1.48%		0.01%	4.58%	2.85%		0.01%	4.59%	Credit Unions by 137 bp
30 Mo CD - $10k	1.14%		0.01%	6.91%	2.83%		0.05%	4.71%	Credit Unions by 169 bp
3 Yr CD - $10k	1.37%		0.01%	5.50%	2.82%		0.01%	4.60%	Credit Unions by 144 bp
4 Yr CD - $10k	1.34%		0.01%	5.50%	2.83%		0.05%	4.70%	Credit Unions by 149 bp
5 Yr CD - $10k	1.40%		0.01%	5.50%	2.90%		0.01%	4.50%	Credit Unions by 150 bp
3 Mo CD - $100k	1.21%		0.01%	5.50%	2.04%		0.02%	5.33%	Credit Unions by 83 bp
6 Mo CD - $100k	1.63%		0.01%	5.27%	2.75%		0.01%	5.00%	Credit Unions by 112 bp
1 Yr CD - $100k	1.66%		0.01%	5.00%	3.00%		0.01%	5.15%	Credit Unions by 134 bp
2 Yr CD - $100k	1.54%		0.01%	4.59%	2.90%		0.01%	4.75%	Credit Unions by 136 bp
3 Yr CD - $100k	1.41%		0.01%	5.50%	2.86%		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 11 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%	0.74%		0.00%	5.04%	Credit Unions by 37 bp
Money Market - $10k	0.43%		0.01%	4.25%	0.84%		0.01%	4.07%	Credit Unions by 40 bp
Money Market - $25k	0.54%		0.01%	4.50%	0.99%		0.01%	4.25%	Credit Unions by 45 bp
Money Market - $50k	0.63%		0.01%	4.50%	1.14%		0.01%	5.00%	Credit Unions by 51 bp
Money Market - $100k	0.81%		0.01%	4.50%	1.38%		0.01%	5.00%	Credit Unions by 57 bp
Money Market - $250k	0.92%		0.01%	5.00%	1.52%		0.01%	5.00%	Credit Unions by 59 bp
Savings
Savings
Regular Savings	0.19%		0.01%	5.00%	0.17%		0.00%	6.00%	Banks by 2 bp