Disclaimer

The information, data and calculators on CURate are provided for general informational purposes only and do not constitute financial, investment, legal, tax or other professional advice. Nothing here is an offer, solicitation or recommendation to use any credit union, bank or product.

All rates shown are national averages from the NCUA Credit Union and Bank Rates report (rates as of December 26, 2025), not the rate any single institution offers. The rate you are actually offered will differ and depends on the institution, your creditworthiness, the balance or loan amount, the term and current market conditions. Rates change frequently; figures here may lag the source or contain errors.

Calculator results are estimates using average rates and simplified interest math - they ignore fees, taxes, promotional rates and the specifics of any individual product. The credit-union directory shows size and membership facts only; it is not an endorsement, and we do not publish per-credit-union rates.

Always verify current rates and terms directly with the credit union or bank, and consult a qualified professional before making financial decisions. CURate accepts no responsibility for any loss arising from reliance on the site. See our methodology for sources and assumptions.

Last updated: 2026-06-22