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About
About
Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.
Regulation & Supervision
Regulation & Supervision
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
Analysis
Analysis
The NCUA’s economists and analysts compile data on the credit union system’s financial performance, merger activity, changes in credit union chartering and fields of membership, as well as broader economic trends affecting credit unions. Users can find information on a single credit union or analyze broader nation-wide trends.
Support Services
Support Services
The NCUA provides a number of support services to the credit union system, such as providing training, grants and loans, chartering, and field-of-membership services; maintaining the health and stability of Share Insurance Fund; managing the assets of failed credit unions; and providing emergency liquidity.
Consumers
Consumers
The NCUA works to protect credit union members and consumers, raise awareness of potential frauds, facilitate access to affordable financial services, and educate consumers on the importance of savings and how they can improve their financial well-being.
News
News
Stay up to date on the NCUA's activities by subscribing to the NCUA's Express messages. Read press releases, speeches, testimony, and Annual Reports. Register for upcoming conferences and events.
Cybersecurity Resources
Cybersecurity Resources
Cyberattacks and cybersecurity vulnerabilities pose significant risks to the financial system. Because of vulnerabilities within the credit union industry and the broader financial system to potential cyberattacks, cybersecurity is one of the NCUA’s top supervisory priorities and a top-tier risk under the agency’s enterprise risk-management program.

Credit Union and Bank Rates

The charts accessible through these links compare the national average rates for 23 common loan and deposit products at banks and credit unions, as well as the average rates for these same products at banks that converted from credit unions. This is an external link to a website belonging to another federal agency, private organization, or commercial entity. S&P Global Market Intelligence (Opens new window) , a division of S&P Global that tracks interest rates and terms at financial institutions nationwide, is the source of the data for these charts.

Credit Union and Bank Rates
Year	March	June	Sept.	Dec.
Year 2024	March Select	June Select	Sept. Select	Dec. Select
Year 2023	March Select	June Select	Sept. Select	Dec. Select
Year 2022	March Select	June Select	Sept. Select	Dec. Select
Year 2021	March Select	June Select	Sept. Select	Dec. Select
Year 2020	March Select	June Select	Sept. Select	Dec. Select
Year 2019	March Select	June Select	Sept. Select	Dec. Select
Year 2018	March Select	June Select	Sept. Select	Dec. Select
Year 2017	March Select	June Select	Sept. Select	Dec. Select
Year 2016	March Select	June Select	Sept. Select	Dec. Select
Year 2015	March Select	June Select	Sept. Select	Dec. Select
Year 2014	March Select	June Select	Sept. Select	Dec. Select
Year 2013	March Select	June Select	Sept. Select	Dec. Select
Year 2012	March Select	June Select	Sept. Select	Dec. Select
Year 2011	March Select	June Select	Sept. Select	Dec. Select
Year 2010	March Select	June Select	Sept. Select	Dec. Select
Year 2009	March Select	June Select	Sept. Select	Dec. Select
Year 2008	March Select	June Select	Sept. Select	Dec. Select

For 2003, 2004, and 2005

Last modified on

01/13/25