Today's National Average Rates
Updated April 12, 2026. Rates vary by location, credit score, and institution.
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Rate Comparison: Banks vs Credit Unions vs Online
Credit unions consistently offer better rates than big banks.
| Product | Big Banks | Credit Unions | Online Banks | Best For |
|---|---|---|---|---|
| 30-yr Mortgage | 7.00% | 6.50% | 6.74% | Credit Union |
| 15-yr Mortgage | 6.25% | 5.75% | 5.99% | Credit Union |
| Savings APY | 0.01% | 3.50% | 4.85% | Online Bank |
| 12-mo CD | 3.50% | 4.25% | 4.50% | Online Bank |
| Auto Loan (New) | 7.49% | 5.99% | 6.49% | Credit Union |
| Auto Loan (Used) | 8.49% | 6.49% | 7.29% | Credit Union |
| Personal Loan | 12.99% | 9.99% | 10.49% | Credit Union |
| Credit Card | 24.99% | 14.99% | 19.99% | Credit Union |
Free Financial Resources
Tools and guides to help you make better financial decisions.
Understanding Your Credit Score
What goes into your FICO score and how to improve it — the factors that matter most for getting better rates.
How to Join a Credit Union
Credit unions offer 0.5-2% better rates than banks. Here's how to find and join one near you.
Mortgage Pre-Approval Checklist
The documents you need, the questions to ask, and the mistakes to avoid when getting pre-approved.
When to Refinance
The 1% rule, break-even analysis, and hidden costs — a clear framework for the refinance decision.
First-Time Homebuyer Guide
From saving for a down payment to closing day. Programs, grants, and tips specific to your state.
FDIC & NCUA Insurance
Your deposits are insured up to $250K. Understand the difference between FDIC (banks) and NCUA (credit unions).