Datasets:

MonitorBankRates
/

us-bank-rate-averages

license: cc-by-4.0
language:
  - en
pretty_name: MonitorBankRates U.S. Bank & Credit Union Rate Averages
tags:
  - finance
  - banking
  - bank-rates
  - interest-rates
  - cd-rates
  - savings-rates
  - mortgage-rates
  - auto-loan-rates
  - apy
  - apr
  - deposits
  - mortgages
  - credit-unions
  - housing-affordability
  - insurance
  - united-states
  - time-series
  - economics
size_categories:
  - 10K<n<100K

MonitorBankRates U.S. Bank & Credit Union Rate Averages

Weekly national and state-level average interest rates for U.S. consumer deposit and lending products, computed by MonitorBankRates.com from the published rates of more than 8,000 FDIC-insured banks and NCUA-chartered credit unions, plus the MonitorBankRates Housing Affordability Index and Insurance Burden Indexes.

Source: MonitorBankRates.com (Monitor Bank Rates LLC), collecting rates since 2008. Coverage: United States, national and all 50 states + DC. Series start: March 2026 (daily averages; weekly snapshots published here). Update cadence: Weekly. License: CC BY 4.0 — free to use with attribution to "MonitorBankRates.com" and a link.

Files

File	Scope	Contents
`savings_national.csv` / `savings_states.csv`	US / by state	Standard, high-yield, jumbo, credit union, business savings APY
`money_market_national.csv` / `money_market_states.csv`	US / by state	Standard, high-yield, jumbo, credit union, business money market APY
`cd_national.csv` / `cd_states.csv`	US / by state	CD APY for 3, 6, 12, 18, 24, 36, 48, 60-month terms
`checking_national.csv` / `checking_states.csv`	US / by state	High-yield, rewards, free, credit union, business checking APY
`mortgage_national.csv`	US	30-year, 15-year, ARM, jumbo, FHA, VA mortgage APR
`auto_loan_national.csv`	US	New, used, and general auto loan APR
`personal_loan_national.csv`	US	Unsecured personal, debt consolidation, signature loan APR
`credit_card_national.csv`	US	Credit card APR by card type
`hai_national.csv` / `hai_states.csv`	US / by state	MBR Housing Affordability Index (MBR-HAI) score history
`hibi_states.csv`	by state	MBR Home Insurance Burden Index (annual)
`aibi_states.csv`	by state	MBR Auto Insurance Burden Index (annual)

Rates are in percent (e.g. 2.855 = 2.855%). Deposit products are annual percentage yield (APY); lending products are annual percentage rate (APR). Each row carries the observation date.

Methodology

MonitorBankRates collects published rates daily from each institution's own rate pages. An average is the simple mean of every current, plausible published quote for a product classification across all institutions — not a survey sample and not weighted by deposits. Products are classified into standard keys (for example, 12-month for any certificate with a 12-month term). State averages include institutions headquartered in the state or operating branches there.

The MBR Housing Affordability Index scores 100 when a median-income household can exactly afford the median-priced home at the current MBR average 30-year mortgage rate; higher is more affordable. It is recomputed daily from the mortgage average, ACS median income and home value, and standard underwriting assumptions.

The Home and Auto Insurance Burden Indexes score 100 at the U.S. average burden (premium as a share of median household income, blended with premium level); higher is a heavier burden. Premium data from NAIC, incomes from ACS. Updated annually.

Full methodology and live pages: https://www.monitorbankrates.com/datasets/

Citation

MonitorBankRates.com, U.S. Bank & Credit Union Rate Averages, Monitor Bank Rates LLC, 2026. https://www.monitorbankrates.com/datasets/

Also available

Free MCP server for AI assistants (Claude, ChatGPT): https://mcp.monitorbankrates.com/mcp
Licensed REST API for institutional use: https://www.monitorbankrates.com/bank-rate-data-api-competitive-intelligence-dashboard/
Terms: https://www.monitorbankrates.com/api-terms/

Disclaimer

Rates change daily and are published by institutions without notice; verify with the institution before acting. MonitorBankRates.com is an independent rate aggregator, not a bank, lender, insurer, or financial adviser. Index scores are MonitorBankRates methodologies, not guarantees.