Skip to main content
United States flag An official website of the United States government
Show

Credit Union and Bank Rates 2023 Q3

Comparison of Average Savings, Deposits and Loan Rates at Credit Unions and Banks
For September 29, 2023

Bank and Credit Union Interest Rates
Product Credit Unions (National Average Rate) Banks (National Average Rate)
5 Year CD-10K 2.89 1.99
4 Year CD-10K 2.80 1.88
3 Year CD-10K 2.77 1.92
2 Year CD-10K 2.87 1.99
1 Year CD-10K 3.01 2.15
6 Month CD-10K 2.51 1.79
3 Month CD-10K 1.63 1.19
Money market account-2.5K 0.69 0.54
Interest checking account-2.5K 0.14 0.21
Regular savings account-2.5K 0.19 0.33
Credit card, Classic 12.65 14.93
30 Year fixed-rate mortgage 7.18 7.16
15 Year fixed-rate mortgage 6.72 6.72
5/1 Year adjustable rate mortgage 6.42 6.63
3/1 Year adjustable rate mortgage 6.43 6.50
1 Year adjustable rate mortgage 5.98 6.44
Unsecured fixed rate loan, 36 months 10.58 11.23
Home equity loan, 5 year, 80% 6.89 6.90
Home equity loan, LOC, 80% 8.38 8.45
Used car loan, 48 months 6.23 7.07
Used car loan, 36 months 6.12 7.03
New car loan, 60 months 6.18 6.77
New car loan, 48 months 6.05 6.69

Footnotes


Notes:

  1. Data extracted by NCUA from S&P Global Market Intelligence databases (https://www.spglobal.com/marketintelligence (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ) on October 10, 2023. The data represent interest rates reported by active banks and credit unions for the last Friday of the quarter (September 29, 2023).
Last modified on